Financial Services

With every changing lifestyle it becomes harder to get a grasp over your expenses. Help unmask areas that are draining your hard earned dollars that may need to be improved upon. Get help with a Layout of your current plans and liabilities and find opportunities to take advantage of.

* Financial Education Workbook will guide you through the required steps for your financial success. 

It is important to understand inflation in education fees and strategize on ways to align assets for college financial aide / scholarships while also being prepared with options to fund these expensive yet important goals for shaping your family future.

* Learn from Neelam - Certified College Funding Specialist (CCFS) how to navigate in your family specific situation.

Understanding market and learning ways to navigate risks along with informed and timely opportunities can help avoiding financial hardships and surprises in retirement years. with growing longevity concerns planning for a peaceful retirement needs attention now more than ever before. 

* Connect to learn what opportunities out there could you avail at a given time to make your retirement dreams come true.

When Active Income Stops coming we tend to relay on Social security, Savings and Investments to fund our everyday needs and big/'small dreams. 

* Explore how Guaranteed Income  plans could work wonders to cushion your retirement needs so you never run out of incoming money both in tax deferred and tax advantaged categories. 

Picking the right investment vehicle at a given time and age and knowing when to switch gears could be a game changer boosting your investment returns. Getting tied up emotionally or being complacent and repetitive could cost a fortune. Market risks, taxations and program fees could easily be avoided by following expert advice. 

* Connect with us to take advantage of our association with resourceful financial platforms and licensed experts in various Investment Strategies who can give you access to their online classes for you to attend and learn. 

Neglecting the Gap in Insurance could leave behind the loved in a very difficulty situation. Existing spouses and young ones suffer from an emotional loss along with unnecessary change of life roles and goals.  Without proper funds to run the household needs, property ownership and/or future studies could also be at stake. 

* The newer life insurance plans come with living benefits to help during certain illnesses and prevent family bankruptcy with medical bills and help making costly treatments affordable Vs borrowing money or selling hard earned assets when proper planning is not in place.

Statistically chances of having a car accident are much lesser than needing a long term care services in American living situations. Long term caregiving expenses are very high and becoming unaffordable making recovery or caregiving with a medical condition very difficult for families. It is important to understand how you could leverage LTC plans to pay for these costs and check if an investment approach would be more suitable for you compared to traditional LTC coverage plans. 

Every family is different in its income and cash flow structure and so having a plan to save on taxes becomes vital for families and individuals to stand out and save more towards their individual needs. Understanding basic tax structure and to leverage which tools at what point of life and carrier helps you take care of this goal. Missing upon tax advantage tools in your financial planning could have a major impact to your saving. 

New this year * CA state is looking into otherwise mandatory LTC payroll tax. Connect to see if we can help you prepare you for opt out process and save probable thousands of $ in annual taxes. 

Protect your family and leave a sound legacy for those behind you for hassle free and probate free asset transfers and continuation of your wishes even when you are not around.