Personal Finance

Our Financial Advisors in Santa Clarita provide one-on-one personal finance strategies and Wealth Management services to select families, business owners and professional entertainers and athletes. Our Financial Advisors in Southern California are experts in helping individuals and businesses with financial planning and investment advice. Clients benefit from our financial advice in not only protecting their financial assets but growing them over time with our unique Advance and Protect Financial Strategies.
Our Private Wealth Management services for high net worth individuals encompassing financial planning, estate planning and tax strategies.

Balancing Your Estate Plan With Bypass Trusts

2016-12-14T17:05:22-08:00

For decades, the bypass trust was a popular estate planning tool for wealthy couples who wished to take full advantage of the federal estate tax exemption and bequeath more of their wealth to successive generations. However, recent changes to estate tax laws have made bypass trusts unnecessary for many. Individuals may now exempt $5.43 million [...]

Balancing Your Estate Plan With Bypass Trusts2016-12-14T17:05:22-08:00

Your Annual Financial Plan: Three Steps toward Your Financial Success

2016-12-14T17:05:23-08:00

As the days get shorter and cooler, it's a good time to conduct a comprehensive annual financial review. And while there is no such thing as a one-size-fits-all financial plan, the three-step review process outlined below can help you do a better job of keeping your financial house in order from one year to the [...]

Your Annual Financial Plan: Three Steps toward Your Financial Success2016-12-14T17:05:23-08:00

Preventing Identity Theft

2016-12-14T17:05:23-08:00

Millions of Americans fall victim to identity theft each year -- and their financial losses are in the billions. In 2012, an estimated 16.6 million Americans experienced identity theft, causing losses of $24.7 billion.1 What can you do to help reduce your chances of having your identity stolen? The steps below can help you prevent [...]

Preventing Identity Theft2016-12-14T17:05:23-08:00

Lofty Goals, Limited Means: Finding Ways to Boost Your Investments

2016-12-14T17:05:23-08:00

If you're ready to start investing or ramp up your current investment initiatives but there just doesn't seem to be enough money left over at the end of the month, don't give up. The following strategies could help you manage your money better and free up resources for your investment goals. Start budgeting. While most [...]

Lofty Goals, Limited Means: Finding Ways to Boost Your Investments2016-12-14T17:05:23-08:00

Understanding Your Retirement Income Replacement Ratio

2016-12-14T17:05:24-08:00

Although the term retirement income replacement ratio sounds formidable, it's actually an easily understood concept that doesn't require any fancy math. The ratio helps you zero in on your retirement savings goal and periodically measure your progress as you move toward your target. Will you need 60%, 75%, 90%, or even 100% of the income [...]

Understanding Your Retirement Income Replacement Ratio2016-12-14T17:05:24-08:00

Consumers Are Getting Smarter About Credit Scores, but Remain in the Dark on Key Points

2016-12-14T17:05:24-08:00

Americans have become more informed about certain aspects of their credit scores, but most still don't know enough about the risks associated with low scores and alleged "credit repair" services, according to a recent report issued by the Consumer Federation of America (CFA) and VantageScore Solutions. For instance, consumers taking the CFA's Credit Score Quiz this [...]

Consumers Are Getting Smarter About Credit Scores, but Remain in the Dark on Key Points2016-12-14T17:05:24-08:00

The Importance of Emergency Fund Savings

2016-12-14T17:05:27-08:00

Don't wait to build your Emergency Fund Did you know that most financial experts recommend setting aside enough money in an emergency fund to cover three to six months' worth of expenses in the event of a major financial surprise? That's because a well-funded emergency account has the potential to get you through tough times [...]

The Importance of Emergency Fund Savings2016-12-14T17:05:27-08:00

What Is the Difference Between a Traditional IRA and a Roth IRA?

2016-12-14T17:05:28-08:00

There are some key differences between these two types of individual retirement accounts (IRAs). While the contribution limits are the same for both, each has its own specific rules and potential benefits (see table below). It's important to review both types of vehicles and plan your IRA strategy carefully. No matter which type you choose, [...]

What Is the Difference Between a Traditional IRA and a Roth IRA?2016-12-14T17:05:28-08:00

Procrastination Can Cost You

2016-12-14T17:05:28-08:00

Putting off retirement savings is a missed opportunity Most people start saving for retirement at 35—fully 10 years beyond the ideal age, according to a recent Financial Engines survey.1 Reasons to procrastinate are familiar to many. But delaying your savings can be costly, as the chart below shows. Let’s say Tom starts saving 6% of [...]

Procrastination Can Cost You2016-12-14T17:05:28-08:00

Know Before You Go: Understanding Your Distribution Options

2016-12-14T17:05:28-08:00

When changing jobs or leaving employment, decisions you make about taking money from your plan can have serious tax consequences. Here’s what you need to know. Your Options Pros Cons 1. Roll over to an IRA Continue tax-deferred growth Avoid early withdrawal penalties Have flexible investment options Can choose a Roth after-tax IRA Consolidate your [...]

Know Before You Go: Understanding Your Distribution Options2016-12-14T17:05:28-08:00
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