Your Total Wealth Advisor
We offer total wealth planning. Our comprehensive, customized planning services typically involve three areas: Asset Accumulation, Preservation and Distribution. Our task is to review your complete financial picture and assist you as we work together to help make your financial dreams a reality.
 
Asset Accumulation
After years of advising clients, we know many patterns. Emotions pervade, pushing rational thinking aside. Investors often buy at the top and sell near the bottom.  The outcome is inevitable. Investor returns are often lower than market returns. Our approach is one in which discipline and expert advice are the foundation of every investment decision. Work with us, and you gain access to an investment team with considerable experience. A team that is on constant watch for you and follows a well-developed, six-step process designed to ensure that rigorous, rational planning, not emotional decision making, is the basis for every investment decision.
 
Asset Preservation
Taxes, lawsuits, and catastrophic illness are major threats to your assets and any one of these three could have a devastating effect, causing significant depletion of your wealth. Proper planning can make all the difference.
 
Most individuals either do not know or take advantage of the tax planning strategies available to them. Let us show you opportunities to possibly defer, reduce or even eliminate income taxes, capital gains, and estate taxes through a variety of planning tactics including revocable and irrevocable trusts, charitable trusts, business benefit plans, tax-free investments, multi-generational planning, limited partnerships and tax deferred IRS Section 1035 exchanges.
 
There are three major sources of potential lawsuits – auto accidents, property ownership and business ownership. We can show you strategies designed to help protect your assets from lawsuits through asset protection trusts and umbrella liability insurance policies.
 
We are living longer today and the likelihood that some day we may need long-term care is a real threat to our finances. For many, suitable protection may be through long-term care insurance, particularly under the California Partnership for Long-Term Care. We can show you how the program's mission is to provide affordable insurance protection and explain the benefits the state of California provides.
 
Asset Distribution
This type of planning focuses on two issues – distributions to fund a long-term retirement and leaving a legacy to your loved ones.
 
Successful distribution strategies provide immediate cash flow to meet your spending needs, strive to reduce overall risk through broad asset diversification and seek to ensure long-term growth potential to decrease the likelihood of outliving your assets. 
 
When it comes time for distribution to your loved ones, the primary concern is avoiding the time, cost and publicity of probate. It is also important to give thought to how and when your heirs and children should receive their inheritance. Sometimes prudence dictates that receiving money outright may not be in their best interest. 
 
Revocable Living Trusts have become the primary tool for estate planning but multi-generational planning, irrevocable trusts, charitable trusts, and spendthrift trusts may also be applicable planning tools.
 
Additional Services
We are also able to assist you with Trust Settlements. Through our strategic partners, you have access to Tax Preparation, Real Estate Transactions (buy/sell/refinance), Pension Plan Administration, Elder Law Planning, and Trust Preparation services.