Our Value Proposition:

We have combined the

Investment Background,

Caring Attitude, and

Attention to Detail

of our financial planning and advisory firm personnel with the

Tax Acumen,

Commitment to Service, and

Ethical Standards

of our affiliated CPA firm personnel to create

ONE BADASS FINANCIAL SERVICES FIRM!

We aim to help grow, protect and transfer wealth as well as protect current lifestyles.

We aim to help identify your "opportunity corridor".  This is a time where you may be able to convert IRA's into tax-free Roth IRA's at lower tax rates, when appropriate.

Roth conversions can potentially also lower your Required Minimum Distributions.  These RMD's may cause your social security income to be taxed and may increase your Medicare Part B premiums also. 

If converting a Traditional IRA to a Roth IRA, you will owe ordinary income taxes on any previously deducted Traditional IRA contributions and on all earnings. We suggest that you discuss tax issues with a qualified tax advisor.

How you consume money matters.  Studies have shown that sophisticated tax bracket management may add up to 6 years of income in retirement when compared to an unsophisticated approach.

Many financial advisors are now adding income tax personnel on their staffs in order accomplish this.

We feel that we are confident in this regard because we provide comprehensive financial advisory services for clients of our affiliated CPA firm where we actually prepare the income tax for those clients.

The combined federal and state income tax rates in California may easily exceed 40% and even 50%. Proficient financial planning must include a thorough understanding of what may well be your single largest expenditure.