Sacramento: (916) 469-9016

Taking the first step to protect yourself

Dec 21, 2021

The pandemic and its impact has created a lot of unexpected events, changed the markets and caused each of us to adapt. Now is a good time to review how your needs may have already changed, or how you now understand they may change in the future. To get started, ask...

Everyone shares these risks

Dec 9, 2021

There are some risks in life that everyone should be prepared for. The question that needs to be answered is how do you protect yourself from these risks since the impact each has on you can change throughout your life? Those risks include the following: unexpected...

Medicare won’t cover it, but something else might

Dec 1, 2021

I read an article that I thought to share with you as it indicates Government data shows “nearly 70% of individuals who reach age 65 will need long-term care at some point.” Further, “while the median cost of an assisted living facility was $4,300 a month as of 2020,...

The Withdrawal Rate

Nov 16, 2021

The author of this week’s article tells us the “so-called withdrawal rate should shrink to 3.3% from 4% according to a Morningstar report.” What does that mean? The withdrawal rate refers to how much a retiree can “safely” withdraw from their savings each year without...

The Withdrawal Rate

Nov 16, 2021

The author of this week’s article tells us the “so-called withdrawal rate should shrink to 3.3% from 4% according to a Morningstar report.” What does that mean? The withdrawal rate refers to how much a retiree can “safely” withdraw from their savings each year without...

Considering Both

Nov 10, 2021

Commentary: We have been asked a question about whether someone should choose either an annuity product or a life insurance policy. That question is a reminder that it isn’t an ‘either/or’ choice. You may want to consider both annuities and life insurance for your...