Negotiation Avoids Eviction Our experience and resources hit home The challenge A doctor client in his late 60s has a girlfriend who lives in her house. The girlfriend purchased the house some years ago and pulled equity from the home as real estate prices increased. After the housing collapse, her house was underwater, meaning she…

Taking Life and Annuity into Consideration We took the biggest factor into hand. Life expectancy. The challenge A married couple were at the point of retirement. They both worked for the same organization for over 30 years and each had built up a nice pension. The big question was whether they should each sign-up for…

Lawsuit Settlement Brings Unsettling Feelings When the world knows you are worth almost $100 million, how can you protect yourself? The challenge A client received a very large lawsuit judgment and the case made the newspapers. Family, friends, and strangers approached her for gifts, loans, and investments. In essence, my client became a target. Our…

Saved our Client $10,000 in Taxes In a matter of days, we found a workable solution for her taxes. The challenge A nationally known psychologist has a thriving practice in Los Angeles. She makes a great deal of income and has very few tax deductions. With both federal and state tax rates as high as…

I own what?! Getting back on track – a shocking discovery The challenge A prospect called us and confessed she had $1.4 million invested with another advisor but wasn’t sure what she was invested in or if it was appropriate. She said she had worked with the advisor for several years but she was still…

Taking Control of a 401(k) Saving the day by taking effectively control of assets The challenge A new company was established after a few of the founders separated from a different firm. The members of the new firm has substantial assets in their 401(k) accounts. The members wanted to continue to contribute to a 401(k)…

Smart Cash Management An extra $20,000 – making money when interest rates are low The challenge A successful business owner was sitting on $1.2 million of cash in his business, but he was earning only 0.01% interest on the money. With interest rates at historic lows where money market accounts and bank savings account pay…

How to save $175,000 in taxes Advanced tax cutting strategies & tax efficient investing The challenge Tax rates for high-income earners have gone jumped in 2014 leaving many investors scrambling to adjust to much higher tax bills. A client who earned over $600,000 a year in employment income also had a large investment portfolio and…

DUMPING A LIFE INSURANCE POLICY Looking at all the options The challenge A client purchased a universal whole life insurance policy almost 20 years ago from another advisor. The policy paid a large commission and had a 19 year surrender charge if the policy was cancelled. To make matters worse, the policy performed poorly and…