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(925) 443-2800

Committed to Helping You Succeed

Our first priority is helping you achieve your investment goals. It all starts with listening in a one-on-one conversation to learn about your personal financial situation, identify your dreams, goals, values, and tolerance for risk, and how they all tie together. Our hope is to foster a high trust long-lasting relationship that is built on a foundation of open and honest communication.

Our Six Step Income Distribution and Wealth Planning Process called The Income Difference™ is designed to help you grow and protect your wealth, while balancing risk and rewards. Scheduled outreach includes regular planning, reviews, check-ins, ongoing educational opportunities, and our informative client newsletter. You can also count on a response within 24 hours whenever you contact us with a question or concern.

Our Step by Step Process

 Step 1 - Discovery: Goals & Needs

We will discuss your goals, values and what is important to you:

  • Your Past
  • Your Present
  • Your Future

We'll cover data points including:

  • Income/Cash Flow
  • Investments
  • Tax & Protection
  • Risk Tolerance
  • Time Horizon
  • Personal Information


 Step 2 - Gather & Prioritize

We will gather & prioritize:

  1. Issues that need to be addressed now
  2. Issues that need to be addressed within the next 3-6 months
  3. Issues that can be addressed within the year
  4. Issues that require ongoing maintenance


 Step 3 - Evaluate & Analyze

We will research and analyze data gathered during the discover step, and overlay the priorities using the following resources:

  1. Industry-tested products
  2. Subject matter experts
  3. My own wide-ranging experience and expertise


 Step 4 - Strategy & Planning

We will recommend suitable strategies based on your objectives, resources, time horizon, risk profile and preferences, geared towards:

  1. Diversifying for your comfortable retirement. This may include combined strategies that offer:
    - Guarantees*
    - High Probability to Contain Inflation
    - Variable Returns

  2. Creating your unique income distribution strategy to address:
    - Segmented Income
    - Income Floor
    - Total Return


 Step 5 - Implement Your Plan

We will implement our agreed-upon strategy based on findings from the first four phases, ensuring that we addressed your:

  • Suitability
  • Objectives
  • Resources
  • Time Horizon
  • Risk Profile, and
  • Preferences


 Step 6 - Monitor, Discuss & Update

We will set appropriate milestones to review and update your plan. Each part of the plan will be evaluated using the following criteria:

  • Strengths
  • Opportunities
  • Weaknesses
  • Threats

The above 6-step process is repeated at least once a year because we can't predict the future. So, we must help you prepare. Hence, our slogan: Prepare. Don't predictLet's work together to turn your investment goals and dreams into a reality. Contact us today!


*When fixed or variable annuities are used to provide guaranteed income, all guarantees are backed by the claims-paying ability of the issuing insurance company.