- Consciously independent
- Self employed
- Retired individuals and couples
Those who are Consciously Independent have:
- The need for a more sophisticated approach to financial planning.
- The ability to utilize leading technologies to assist in investing and monitoring of one’s portfolios and financial progress.
- A critical need to have a financial planner completely independent, free to choose the financial investments that best suit you and not just a firm’s offerings.
Those who are Self Employed have:
- Cash management issues resulting from irregular income.
- Tax planning challenges due to multiple streams of income and lack of tax withholding.
- A critical need to self insure for events typically covered by employer provided benefit plans.
Those who are Retired must:
- Evaluate alternative strategies regarding Social Security and other government and private benefit programs.
- Coordinate tax efficient distributions from their limited retirement funds.
- Manage their two largest expenses — healthcare and taxes.
Can you further identify with any of the following financial stresses in your life?
- Concerned about your state of emotional and financial preparedness to retire in the near future.
- Loosing sleep due to violent swings in the financial markets.
- Fearing that you may outlive your retirement nest egg.
- As domestic partners, are you experiencing gaps in benefits traditionally made available to those who are married.
- Confused by the multiple employee benefit options available to couples.
- Worried about who might be able to take care of you when you cannot.
- Watching your assets erode from inflation, taxation and lack of care.
- Maximizing benefits from government programs such as the California State Teachers Retirement System, Social Security and Medicare.
- Anticipating a windfall and need reassurance on how to best manage it.
- Unsure of which retirement account to contribute funds to or withdraw funds from to minimize taxes and maximize asset life.
- Struggling with eldercare, long-term care, and legacy planning issues.
If you are:
- Passionate about your financial independence.
- Serious and motivated about taking action.
- A believer in long-term professional relationships.