At Parsonex Financial Services of Orange, California, we’ve seen a lot of difficult markets come and go. And we can certainly empathize with people who find the current environment troublesome and disturbing. We’d like to help, if we can, and to that end, here’s what we offer:
A Cup of Coffee, and a Second Opinion.
By appointment, you are welcome to come in and sit with us for a while. We’ll ask you to outline your financial goals – what your investment portfolio is intended to do for you. Then we’ll review your portfolio with you. If we think your investments and strategies continue to be well-suited to your long-term goals – in spite of the current market turmoil – we’ll gladly tell you so, and send you on your way.
If, on the other hand, we think some of your investments or strategies no longer fit with your goals, we’ll explain why, in plain English. And, if you like, we’ll recommend some alternatives.
Either way, the coffee is on us.
Retirement Income Planning
Our firm focuses on retirement income planning! We help families structure their assets in a way to provide the retirement income necessary to achieve their goals.
One of the greatest challenges facing retirees today is how to provide retirement income. Statistically, retirees are living longer which means they need their money to last longer. It also means that retirees will feel greater effects of inflation on their ability to purchase the goods and services they need with their retirement income. This makes retirement income planning critically important.
- Are you confident that your retirement income will always be enough to sustain your lifestyle through your golden years?
- Are you concerned that at some point during retirement you might actually start to run out of money?
We believe the central challenge facing Americans today is how to create a sustainable retirement income that will buy them dignity and independence for thirty years or more. Important issues that must be addressed to solve this problem:
- Is your money going to outlive you or are you going to outlive your money?
- Will your retirement income continue to rise during your golden years at the same rate, or higher, than inflation?
- Do your investments offer you the potential of rising income or lock you into a fixed income?
While retirement income planning is often the most important long term investment consideration there are several other important aspects to financial planning. Our firm provides wealth management services for individuals and businesses who have additional planning needs. Additionally, companies can provide retirement income planning options for their employees by offering 401ks and other employer sponsored plans.
The fundamentals of retirement income planning are accumulating assets during your working years and continuing to invest during your golden years. Because of market volatility, clients may want to utilize programs that allow them a variety of investment options while protecting their withdrawals in the form of a lifetime retirement income.
For many of our clients, financial success is determined more by their behavior than specific products. Often, the greatest influence on behavior can be the quality of advice families receive from their financial advisor.
- Roth IRA’s
- Traditional IRA’s
- SEP IRA’s
- Simple IRA’s
- 403(b) TSA’s
- 401k Plans
- 457 Plans
- IRA Rollovers
- 401(k) Rollovers
- Variable Annuities
- 529 College Plans
- Coverdell College Plans
- Term Life Insurance
- Key Man Insurance
- Long Term Care
- A/B Trust
- A Trust
- Special Needs Trust
- Durable Power of Attorney
- Medical Will
*The products above are offered by our product partners as follows: Investments – Parsonex Securities, Inc., Insurance – Parsonex Insurance Agency, and Living Trusts – Heritage Living Trust.