Broker Check

(949) 474-7012

1920 E. WARNER AVE., SUITE H

IRVINE, CA 92705

Professional Money Management

Financial Services* 
We can help you navigate through the confusing world of making important financial decisions by doing a complete evaluation of your current financial situation and your goals for the future. This evaluation will show how on track you are for your financial goals, and will provide guidance on how to pursue them. 

By also doing a review of the 8 Wealth Management issues and how they pertain to your financial planning needs, we can provide you with valuable information to help you make important financial decisions. Decisions such as planning for retirement, buying a home, financing a college education, or investing for your family's future. Once we have determined the areas that are important to you, we will help you start “Planning with Purpose.” 

Retirement Planning*
As you prepare to enter retirement, you'll need to ask yourself some challenging questions about your retirement plans. Determining what to do with your retirement assets could be one of the most critical decisions you make. I can partner with you to create a plan considering the level of assets needed to fund your vision of retirement including likely income needs, potential tax implications and risks that can stand in the way of realizing your vision. 

Education Planning* 
Funding your child's education may be one of the most important expenses you will face. A college education can greatly increase your child's earning potential over a lifetime. However, the longer you delay starting a college savings plan, the more money you may have to save. Although the most important considerations in choosing a college program are educational, there are financial ones as well. With our help, you and your family can help understand the costs of a college education and evaluate ways to help you start saving today. 

Legacy Planning
A legacy plan ensures that what you want to happen will happen at the time of your passing. Without a good plan, the government may be in a position of dividing your assets between members of your family and may not make the same decisions you would. Also, your family may be forced to give up a substantial portion of their inheritance to taxes, causing significant financial burden during an emotionally devastating time. We can help you can create a plan that minimizes the estate taxes that may be incurred and maximizes the amount of money going to your family. With this plan your family won’t be left guessing what you would have wanted. 

Professional Money Management* 
Today's investment atmosphere presents many challenges. It is not easy to know what to do or where to turn when planning your financial future. Given this environment, more and more investors are turning to qualified financial advisors like me to assist them in creating a customized portfolio based on their individual needs. We would be happy to help you create a portfolio that helps you start “Planning with Purpose”. 

Investment Management*
Together, we can create an investment strategy that is designed just for you with your unique goals and needs in mind. While creating your investment plan, we will consider the following things: 

  • Investment goals 
  • Comfort level 
  • Expectations for your portfolio performance 
  • Effect of taxes on your portfolio 

Because investment management is something that should be adjusted as your goals evolve and your portfolio changes, we will work with you on an ongoing basis to monitor your portfolio and rebalance it as needed. 

Cash Flow and Debt Management* 
Without a clear picture of what money is flowing in and out each month, it is impossible to make informed decisions with respect to the other wealth management issues that affect you. Your debt level and credit history are also important barometers of your financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended. We can identify where your cash is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and debt management. 

Family Risk Management* 
Even the best investment plans can crumble if you have not properly prepared for the unexpected risks that exist for every family such as disability, death, or a long-term-care need. We can evaluate your current risk plans to determine if they are adequately meeting your needs at this stage of your life and as you plan for the future. After this evaluation, we will make suggestions that not only address your risk management needs but also consider the tax implication of these changes. 

Business Planning* 
As a business owner, you likely face daily challenges such as having enough cash available to take advantage of opportunities when they arise, using the business as a vehicle to save for you and possibly your employees’ retirement, and protecting your business from a potentially devastating financial loss. We can help you evaluate and implement strategies that not only protect your business, but also take advantage of opportunities that could improve the cash flow, tax situation, benefits, and bottom-line of your business. 

Special Situations Planning* 
Throughout your life, as you pursue your long-term goals, some expected and unexpected needs or events will come your way. These needs and events can include planning for a wedding, taking a spur-of-the-moment dream vacation, deciding to buy a second home or simply facing an unexpected expense. While we always like to plan, sometimes we just cannot foresee the future and challenges, whether good or bad, that it may bring. No matter what the future holds, we will do our best to help get you through any financial challenges and opportunities that may arise.

Additional Services*

 

  • Stocks*
  • Mutual Funds*
  • Long-Term Care 
  • Annuities*
  • Rollovers*
  • Financial Planning*
  • Life Insurance
  • Managed Accounts*
  • Estate and Gift Tax Planning
  • IRA's*
*These services are offered by Richard White through his affiliation with HD Vest