Optimize Your Financial Planning
Optimize Your Financial Planning
Towards a More Fulfilling Retirement
We start with your retirement plan
First, decide what you want to do and how you want to live, then plan an investment strategy that supports that life.
Investments are an important part of a good retirement strategy, but it’s important to first establish your life goals so that any investment strategies you put in place support those goals.
We want you to dream big and start connecting your financial sources to your picture-perfect retirement scenario. From this foundation, we’ll develop an investment strategy to get the income and growth you need to protect you against rising living costs and market downturns.
We have offices located in both San Diego and Los Angeles.
Once you know how you truly want to live, we’ll take an in-depth look at:
- When you can retire
- How much you need to save to enjoy that lifestyle
- How much you can spend without outliving your assets
Retirement Income
Financial Planning
Once we have a thorough understanding of your desired retirement lifestyle, we’ll know how much income you need.
We’ll evaluate all of your income sources and determine how to coordinate and maximize them:
- Social Security Optimization and Timing
- Pension Option Analysis
- Rental Income Evaluation
- Deferred Compensation Analysis
- Annuity Income
Then we coordinate
your tax plan
When planning which income source to draw from for your retirement income, you need to take tax implications into account. When we coordinate your retirement income plan with your tax plan, we make sure you’re taking income from the right place at the right time, which ensures you pay less tax and enjoy more income.
We utilize a number of tax planning strategies to make certain you’re paying the least amount of tax throughout retirement, including:
- Roth Conversion Planning
- Tax Projections
- Tax Diversification
- Charitable Tax Reduction Strategies
- Sequencing Retirement Account Withdrawals
And protect your wealth for your loved ones
You’ve worked hard to accumulate wealth during your life and you want to ensure your estate is protected for your loved ones. We’ll conduct a thorough review of all of your insurance needs to make sure you’re prepared for the unexpected.
While we don’t sell any type of insurance products, we’ll analyze your situation and help you select the most cost-effective solutions to meet your needs.
This ensures that your wealth passes to who you want, how you want when you are gone:
- Estate Plan Review
- Life Insurance Analysis
- Long-Term Care Insurance Analysis
- Disability Insurance Analysis
- Property & Liability Insurance Review
A Tailored Investment Approach
Your investment strategy should be a direct reflection of your goals, which is why our management strategies are tailored to fit your specific needs.
1. Your Needs First
In retirement, you can’t afford to take the same risk as in your working years. You still need your portfolio to grow to outpace inflation, but also have protection against market downturns.
We make sure you are getting the return you need without taking any excessive risks. All the while ensuring enough safety in your portfolio to fund your income needs during volatile times.
2. Lower Investment Fees
We take an evidence-based approach to investing. That means that we rely on years of academic research to determine how our clients are invested.
The average mutual fund fee is .50 -1.0%, while our average fee is .17%. Less fees, means better returns for our clients.
3. Tax-efficient Investing
It’s not how much you make, it’s how much you make after taxes. We ensure that your investment plan is consistent with your tax plan.
Our investment management team monitors our client’s portfolios daily to ensure no tax-saving opportunities are missed. Our 3 primary objectives to improve after-tax investment returns are to:
- Maximize Tax-free Growth
- Minimize Taxes on Tax-deferred Retirement Accounts
- Minimize Taxes in Taxable Accounts
*For illustrative purposes only and not representative of an actual investment. This hypothetical illustration is intended to show the potential impact of higher expense ratios and does not represent any investor’s actual experience. Assumes a starting account balance of $1 million and a 6% compound annual growth rate less expense ratios of 0.25%, 0.75%, and 1.25% applied over a 15-year time horizon. Performance of a hypothetical investment does not reflect transaction costs, taxes, other potential costs, or returns that any investor would have actually attained and may not reflect the true costs, including management fees of an actual portfolio. Actual results may vary significantly. Changing the assumptions would result in different outcomes. For example, the savings and difference between the ending account balances would be lower if the starting investment amount were lower.
1. Idiosyncratic risk is unsystematic (diversifiable) risk associated with exposure to a single stock, sector, or country.
“All stocks” includes all eligible stocks in all eligible Developed and Emerging Markets at their market cap weights. Eligible stocks are required to meet a minimum market capitalization requirement. REITs and investment companies are excluded. Compound average annual returns are computed as the compound returns of the value-weighted averages of the annual returns of the included securities. “Excluding the top 10%” and “Excluding the top 25%” are constructed similarly, but exclude the respective percentages of stocks with the highest annual returns by security count each year. Individual security data are obtained from Bloomberg, London Share Price Database, and Centre for Research in Finance. The eligible countries are: Australia, Austria, Belgium, Brazil, Canada, Chile, China, Colombia, Czech Republic, Denmark, Egypt, Finland, France, Germany, Greece, Hong Kong, Hungary, India, Indonesia, Ireland, Israel, Italy, Japan, Republic of Korea, Malaysia, Mexico, Netherlands, New Zealand, Norway, Peru, Philippines, Poland, Portugal, Russia, Singapore, South Africa, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, United Kingdom, and the United States. Diversification does not eliminate the risk of market loss. Past performance is no guarantee of future results.
†This information is from the Principal Financial Group Replacement Ratio Calculator with source information from the Annual Statistical Supplements to the Social Security Bulletin. It is intended to demonstrate the potential impact of Social Security and 401(k) plan benefits at various income levels. For more information on your individual circumstances, please speak with your financial professional.
