Financial Planning
Learn more about how to effectively manage your finances and achieve financial freedom.
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Wealth Management
Wealth management describes the comprehensive approach to managing the financial assets of wealthy individuals, couples, and families.
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Tax Services
Many of the most important financial decisions you’ll make in your life have tax consequences.
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Financial Planning
Learn more about how to effectively manage your finances and achieve financial independence. Read More
Wealth Management
Wealth management describes the comprehensive approach to managing the financial assets of wealthy individuals, couples, and families.
Read More
Tax Services
Many of the most important financial decisions you’ll make in your life have tax consequences.
Read More
Financial Transitions
Financial Planning is about helping you live the lifestyle you want to live as you go through each stage of life, and along the way, most people deal with complex financial decisions that can be difficult to navigate. Below are some of the key financial events you might be faced with sometime in your lifetime, and some tips to help you get moving in the right direction.
01
Buying or Refinancing a Home
Your home is by far the largest purchase you’ll ever make in your life. You are more focused on neighborhoods…
02
Getting Married
Are you tying the knot, or getting ready to soon? Thoughtful preparation before your big day could help you…
03
And Then Comes a Baby
Whether you’re planning for your first child, your children are still growing, or you’re getting ready to send your high school…
04
Changing Careers
New jobs or promotions are times to celebrate and starting a new career in mid-life can be both exciting and frightening…
05
Divorce
Having lived through divorce, we know how emotionally and financially challenging it can be. However, we also know…
06
Planning for Retirement
Now comes the biggest financial issue of them all: Retirement. While the life changes listed above will demand…
07
Living Your Retirement Years
How much you spend in retirement and what account you draw the money from needs to be carefully planned out.
08
Losing Your Partner
Of all the changes a person will go through in their life, the death of a partner is usually the most difficult.
09
Aging and Your Finances
Thanks to modern medicine, more and more of us can achieve a very long life, but your later years could become really challenging if medical expenses start eating away at your retirement savings.
Forced Retirement or Unexpected Layoff?
Retirement is what most of us are working toward. Forced retirement or a layoff…not so much. Crystal can help you create a retirement or short-term cash flow plan that considers your unique circumstances and eases you into the transition. Do you need a new source of income? Can you maximize what you currently have? Our expertise will empower you to maximize your cash flow, even if it ends abruptly.
Health and Your Finances
Did you know the cost of health care is the biggest bankrupter of our seniors? Your health is the bedrock of your lifestyle. While planning for your future, Crystal can help create a financial plan that keeps health expenses in mind with every decision you make. Our experience working with people with unexpected health issues can help you navigate the complex healthcare system and access resources.
Losing a Loved One
There is a reason losing a loved one is considered the most stressful life transition. In addition to dealing with emotional trauma many financial decisions need to be made quickly, and that can lead to financial mistakes. Crystal can help you navigate this difficult time by providing emotional support and expert guidance as you make critical financial decisions.
Significant Life Transitions
Life is full of transitions. You can’t control everything life throws at you, but by teaming up with with an experienced financial partner, you can make smarter decisions about those transitions as they come your way. Whether you’re getting re-married or divorced, starting a business or even facing an unexpected illness, it’s essential to have a financial plan in place. We can help you navigate these transitions, providing guidance and support as you make crucial decisions.
Complex Tax Situations
Taxes are a double-edged sword; no one wants to pay more taxes, but most people want to make enough money that they will end up paying more taxes. And making more money can lead to complex tax issues. Unlike most advisors, we know taxes and how lack of tax planning can cost you. We can help minimize tax liabilities by sleuthing out additional deductions or credits, and we can eliminate mistakes from incorrect DIY filing. We have years of experience advising on personal, business, estate and trust taxes.
Caring for an Aging Loved One
Of all the shared life experiences, caring for a loved one as they age is the hardest. The combination of financial pressure and the sadness of watching them slow down is uniquely devastating. This is another place where we can help. We can assist by creating a monthly budget, a yearly financial plan, and a financial plan to cover long-term care costs. Having the right help means you won’t have to carry this burden alone. We have decades of experience walking people through one of the most challenging assignments that life hands out.
Late Career to Retirement
Retirement planning is like hitting a target that moves constantly. Inflation, market fluctuations, taxes, family, and health changes are just some of the issues that impact finances on a regular (and irregular) basis. Having us as part of your advisory team will help ensure that along every step of the way, your plan is getting stronger. We anticipate life changes when we create your plan, so you can be proactive instead of reactive. During the last 10-15 years of your career as you reach your peak earning years, we’ll check to make sure that you’re still on target. Time can be your friend or it can be your enemy. Planning early keeps time on your side.
Women in Transition
From working and maintaining a home, to coordinating the kids’ activities, women wear a lot of hats. And when divorce happens, a woman takes on even more responsibilities. Divorce is an emotional and financial drain for women, and as a woman who lost 2/3 of her income after divorce, Crystal knows how financially challenging divorce can be. Unfortunately, for many women who are going through divorce, if they had been advised to plan differently, they may have saved themselves from a huge financial loss. For other women, emotions that are running high during the divorce process makes it too easy for them to spend impulsively or make unwise financial decisions.
Investing in your future just got easier.
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Crystal's Corner - Markets, Investing & The Economy
A Warning to Small Businesses and Independent Contractors: ERC (Employee Retention Credit) Scams are on the Rise.
At the San Diego IRS Tax Forum workshops I attended last week, we were informed that […]
