Unlock Your Dream Retirement:

Aligning Wealth with Purpose!

Planning for retirement is not just about numbers,

It's about turning your dreams into reality.

Understand the impact of taxes on your financial plan for a smoother journey.

Taxes can significantly affect retirement plans, influencing income, withdrawals, and overall financial strategies. Learn how to navigate these tax implications for a more secure retirement.

Different Tax Treatments:


Taxable Accounts (Tax Now)

You invest money that has already been taxed. Any earnings, interest, or dividends generated within the account are subject to taxes in the year they are received such as:
Regular brokerage accounts, savings accounts, and checking accounts.


Tax-Deferred Accounts (Tax Later)

Contributions to these accounts are made with pre-tax dollars, reducing your taxable income for the year. Earnings grow tax-deferred until you make withdrawals in retirement, at which point they are taxed as income such as:
Traditional IRAs, 401(k)s, 403(b)s, and other similar retirement accounts.


Tax-Advantaged Accounts (Tax Advantage)

Contributions are made with after-tax dollars, but qualified withdrawals, including earnings, are tax-free. This can provide tax-free income in retirement such as:
Roth IRAs, Roth 401(k)s, Health Savings Accounts (HSAs), 529 plans and Cash Value Life Insurance.

Crafting Your Retirement Masterpiece

We start by building a personal balance sheet, projecting your retirement resources, and aligning your asset allocation with your financial and estate plans. The Financial Health Analysis (FHA) is our dynamic tool, allowing us to instantly adjust assumptions. Picture this: your expenses, rates of return, pensions, Social Security benefits, legacy goals—all in real-time scenarios.

In this collaborative journey, you gain confidence, exploring diverse scenarios, and aligning choices with your values. With regular plan updates, you'll track progress and stay on the path to your dream retirement. Let's turn your retirement vision into a vibrant reality!


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Newport Beach, CA 92660


(866) 880-3367


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