Retirement Planning

There are three common problems that retirees will face, that worry them and those who will retire. This is all about having enough retirement savings.

Concern one. Will I have enough money? This is about growing and protecting our money without the risk of losing any of it. As we saw in 1987, 2000, 2008, and most recently March of 2020, where ten years of stock market gains can be wiped out in just a few weeks of stock market turbulence. Thus, if your 401k, IRA, or ROTH had been in play during those times, you may have less money accumulated than if you put it into a passbook account. And, many times, poof it is gone. Ouch!

Concern Two. Will I live too long and outlive my money? Retirees are living longer; thus, spending more time in retirement. So, most retirees are concerned about outliving their savings.

Concern Three. Will my retirement accounts work as they are supposed to? Yet, most people’s IRA’s and 401k’s are in junk accounts with major losses and excess fees. Thus, their retirement savings may not be there when you need them!

We will work for you, not a corporation! Contact us for an appointment today!

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The Essentials You Need to Know to Reach Your Retirement Goals

How far away is your retirement? What have you done to make sure you have the funds to make it happen?  If you do not have a plan or at least know what to do, you will find yourself in trouble as many do. So, first off, it is always best to start as early… Continue Reading →

What are the Types of IRA Retirement Plans?

An IRA is an Individual Retirement Account. It is basically a retirement plan that allows you to save money for retirement with a tax advantage. This is a service provided by banks and various financial institutions as well as Insurance Companies that will manage your retirement savings. Depending on the type and how it is… Continue Reading →

What to do with an Old 401k or IRA Account?

What to do with an Old 401k or IRA Account? What happens if you have an old 401k or IRA account from a previous employer? Most Financial Advisors will give you four options: First, just leave your account where it is. This is what most people do when the balance is above $5,000. Is this… Continue Reading →

How to Find Out How Your 401(k) is Performing

How to Find Out How Your 401(k) is Performing   How is your IRA doing? What about the old ones from previous employers? Did you lose your job? Do you have an IRA from a previous employer? If so, do not lose Your Money! If you lost your job or you are on furlough, I… Continue Reading →

What is a Rollover?

Do you have an old 401k or IRA account? If so, what do you want to do with it? What happens after you leave your job that you had a 401k with? You may be able to leave your retirement account where it is. However, be aware it will be in junk funds and have… Continue Reading →

Big Changes to your 401k are Coming

How to Get a Better Retirement Account for a Better Future

There are three common problems that retirees will face, that worry them and those who will retire. This is all about having enough retirement savings. Concern one. Will I have enough money? This is about growing and protecting our money without the risk of losing any of it. As we saw in 1987, 2000, 2008,… Continue Reading →

Are Annuities Bad for Retirement?

There is a common objection about Annuities; I would like to clear up. It goes like this: “Annuities are terrible because when you die, the insurance company will stop the payments and they will keep the rest of your money.” Is this true or false? Many securities people do not… Continue Reading →

Which is Better an IRA or an Annuity?

First, what is an IRA and an Annuity? An IRA is an Individual Retirement Account which is basically a tax category. This is usually an account set up at a bank or other financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. Where is your money… Continue Reading →

5 Reasons a 401(k) May Be the Worst Account to Have in Retirement

That massive 401(k) nest egg that you’re so proud of comes with some serious baggage. Here are five major cons of these accounts and a couple of alternatives to consider instead. See how yours is performing here: Now allow us to help you! You will need to have an experienced, licensed, and knowledgeable agent… Continue Reading →

Is a 401(k), ROTH IRA or is there Something Better?

  Did you know that an ‘IUL’ the Best Way to Plan for Retirement?  We have spent the last few years, since 2008, researching the various IRA options and looking for the best possible solutions for our family, friends, and clients. First, we need to know how money works in IRA accounts. Money grows in… Continue Reading →

Urgent Notice to Small Business Owners; you Must Buy State Mandated Retirement Plans!

Note: This article will be updated as new information is made available. The law starts in three stages. First, June 30, 2020, for companies with more than 100 employees. Then, on June 30, 2021, for businesses with more than 50 employees. The third stage will go into effect on June 30, 2022, for employers who have five or more employees…. Continue Reading →

Did your Retirement take a BIG Hit this Week?

Did your 401K become a 100.25k? Tough day for your IRA and other retirement accounts? None of my clients lost a penny. Yet, I feel your pain; I had it rough in 1987 and 2008. My clients at the big bank had huge losses, some lost it all. My personal portfolio with the big Wall… Continue Reading →

Let us help you today!

We represent 100 top ‘A’ rated companies, from A to A+++ and we will listen to your needs and then search for the very best plans, so you grow your money and not lose it!

We can see what you qualify for, and we can search the top A+ rated companies for you. Then, we can roll over your old IRA and 401k away from D grade accounts and into an A+ plan that are guaranteed not to lose your money! 

We are a full-service brokerage firm. We provide financial education, business plans, Annuities, million-dollar baby, debt consolidation, premium financing, college plans, 401k Rollover, 401k plans, IRA’s, 403b plans, 457 plans, PDF’s, FIA rollovers, living benefits plans, long-term care, income for life high growth annuities, Living Benefits, global accounts, out-of-state MAPS, legacy plans, tax specialists, revenue sharing program, insurance, life insurance, debt relief, and even legal insurance! We even have a business opportunity!

We are solution finders for you! We are licensed by the State of California and many other States to help you. Allow us to help you, and I will meet with you at no charge.

Contact us for an appointment today!


We do not provide tax or legal advice. Each client’s tax and financial situation is unique. Clients should consult their tax and or legal advisor for information concerning their situation.

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