Premier Client Services

Our Premier Client Services helps address some of the following concerns:

When can I retire?
Why do I want to retire?
What will my pension provide me such as through CalSTRS, CalPERS, FERS, etc.?
Can I achieve my desired retirement income?
Are you overpaying your taxes?
Can you reduce the taxes you pay, especially in retirement?
How long can my portfolio sustain my retirement income? Is my portfolio suitable for my retirement (income) goals and objectives?
What improvements can I make to my retirement plan?
What is my ideal Social Security claiming age?
What are my retirement healthcare options?
Will I have money left for my heirs?
Can we reduce or possibly eliminate any threats to your retirement?

Retirement planning analysis and forecast for your income needs to develop a comprehensive, personalized financial plan through a dedicated CERTIFIED FINANCIAL PLANNER™
Continual development and implementation of recommendations to fund your income needs and help maintain a financially independent standard of living
Recommendations regarding the most appropriate distribution strategy for employer retirement plans and IRAs to meet your retirement income needs
Review the possibilities of converting to a Roth IRA
Assist with Qualified Charitable Distribution planning and Donor Advised Funds
Analysis on employer retirement and pension benefits (CalSTRS, CalPERS, FERS)
Guidance on how to maximize Social Security benefits
Analysis of the beneficiaries of your IRAs and how to establish an Inherited IRA

Comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies
Recommendations of tax solutions including tax advantaged investments
Recommendations for tax efficient distribution strategies
Collaborate with your CPA or Tax Professional, or provide recommendation for one if needed
Staying up-to -date on and presenting new tax laws that can affect your situation

Independent Advice from a CERTFIFIED FINANCIAL PLANNER™ professional who has committed to a Fiduciary Oath
Reviewing your investments and designing a highly personalized portfolio appropriate to your needs
Year-long, continual monitoring of your investments through various market cycles
Evaluating the tax implications of your investments
Quarterly, semi-annual, or annual meetings to review and evaluate your investment performance, update your overall financial objectives and if necessary, reallocate your portfolio as agreed upon by you
Recommendations regarding positioning of investments within your employer provided retirement plans such as 401(k), 403(b), 457(b), TSP, etc.
Quarterly “market watch” letter detailing our firm's research, analysis, and view of the current state of the investment markets
Establishing tax-efficient college savings plans for children and grandchildren
Providing guidance on unique financial decisions such as the impact of installing solar panels or buying and selling a home
Aggregation of all your accounts to reduce paperwork and simplify tracking

We work with corporate trustee services to ensure expert management and seamless administration of our clients' trusts, enhancing their financial security
Analysis of your current estate plan and concerns
Collaborate with your Estate Attorney, or provide recommendation for one if needed
Review of beneficiaries to ensure correct designations and asset titling
Review of strategies to efficiently transfer wealth to your loved ones
Providing guidance with the appropriate and necessary steps in the event of the death of a loved one
Assistance in transferring assets to your Living Trust or other trusts