4695 Chabot Road
Anyone who has set financial goals for themselves, or needs help in identifying goals, and then would like guidance in achieving those objectives can qualify as a client. Those who are in, or close to, retirement, usually require more help since they face more issues in more areas. They essentially face a balancing act between all the main areas of asset management – the growth, distribution, preservation, and protection of their assets. They are nearing or at the end of the accumulation phase where higher risk tolerances and greater potential returns could be afforded, but now that they’ve reached or will soon be reaching retirement, their risk factors begin changing. Their income may be reduced, sometimes significantly, the sources of income may have varying tax consequences, time horizons grow shorter, and inflation and liquidity concerns become greater. Meanwhile, they keep an eye on the importance of asset preservation as family transfer goals become increasingly important along with ensuring they have sufficient assets in the event they live beyond their life expectancies.