In days of greatest worry and greatest uncertainty, we believe the essence of our best work is to help our clients ward off the impulse to make poor decisions.

 

We believe our approach is unique and geared to successfully help our clients as they handle the most difficult and challenging circumstances with courage and confidence. Our client's interests are foremost in our minds.

 

During times of great change, challenge or turmoil, families need to be surrounded with advisors of great resource, commitment, and skill to help with the inevitable transitions. 

 

Our practice serves as advocate and advisor to help families facing these challenges.

 

 As part of our educational commitment to our clients and to those we are just beginning to know, please feel free to browse our library of financial concepts.  We update our content frequently and hope to stimulate your thinking.

 Michael Bernard CA Insurance License 0B31785   Rachael Johnson CA Insurance License 0D16087
Calculators

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Savings Accumulation

Estimate the future value of your current savings.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

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Newsletters

Doing Your Heirs a Favor

Although a will and a trust specify disposition of assets, many other details of an individual’s final wishes might be explained in a letter of instructions. This article offers some topics to consider addressing in the letter to help loved ones make decisions and take care of final arrangements.

What Kind of Investor Are You?

Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk.

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

Earning Income from Mutual Funds

More than half of working Americans are concerned that they may not have enough money to live comfortably during retirement. Although mutual funds are often thought of as a tool to build savings, they can also be used to generate income. This article examines the potential income benefits of bond funds, equity or stock income funds, and hybrid funds.

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