To help you reach your financial goals, consider supplementing your retirement savings through UC’s 403(b), 457(b) or DC Plans. UC provides several resources to assist with retirement planning. It is never too early to start planning for retirement. It will help small businesses save time and money, and is truly a win-win for small businesses. Use your access code to start facilitating CalSavers or exempt your business if you already offer a retirement plan. Learn about your UC retirement benefits and managing your financial life. Staying on track for a secure financial futu
"They truly have a vested interest in my financial goals and they take their time going over any questions I may have. "They think outside the box, are always coming up with solutions that I never thought of (or did my other advisors) and they are always there and ready to spend the time with me to explore options."4 I have 100% confidence that my advisors at EP Wealth have my best interests at the forefront of all decisions made."3 "Having gone through a significant life change, I have needed financial guidance on everything from handling my children's college expenses to planning for retiremen
Choosing your retirement benefits The presentations on this link provide an overview of UC retirement benefits, examples of retirement benefits calculations and information about steps to retire from UC. Beyond the financial considerations involved in preparing for retirement, there are a myriad of factors to consider as retirement age nears. For example, a 25-year-old who invests $2,000 a year for eight years and never invests an additional dollar can accumulate more by the age of 65 than a 35-year-old who invests $2,000 a probate prevention planning year for 32 years, even though the 35-year-old invests four times as much. Compounding of earnings is so great that those who start saving for retirement in their 20s can accumulate large account balances with relatively small regular investments. Preparing for Retirement presentati
Guidance for navigating financial considerations before, during, or after divorce, including cash flow analysis, asset division scenarios, and longer-term planning implications. Financial planning strategies that consider tax implications, including coordination of investment and retirement decisions in ways that may help manage tax exposure over time. Support for evaluating retirement goals, income needs, and timing considerations, with strategies that can help align savings, investments, and withdrawal approaches over time. No ranking or recognition should be construed as an endorsement by any past or current client of the investment professional or HH. Our Valencia wealth management services integrate investment management, financial planning, and risk management in an attempt to safeguard and enhance your wealth, with the goals of allowing you to focus on what matters mos
Attend a Free Estate Planning Workshop When I was growing up, my mother used to listen to Paul Harvey, the late radio personality. " Many clients are initially unaware that estate planning typically involves more than simply drafting a will. I serve clients in Burbank, Inglewood, Glendale, Pasadena, and throughout Los Angeles County, Orange County, Riverside County, and San Diego County, Californi
Upon death, however, the assets may gain limited protection depending on how the trust is structured. A revocable living trust doesn’t protect assets from creditors while the trustor is alive because they retain control over the assets. To effectively protect your assets, a living trust must be properly structured. A living trust offers multifaceted protection for your assets, confirming their efficient transfer, safeguarding them during incapacity, maintaining privacy, and expediting access to funds. This avoids the need for a court-appointed conservator, keeping control in the hands of someone you trust. A living trust includes provisions for managing your assets if you become mentally or physically incapacitated. Irrevocable living trusts transfer all property to a trustee and cannot be changed. Probate can be time-consuming and costly, with court fees, attorney fees, and other administrative costs potentially consuming a significant portion of the estate. This lack of flexibility may be a concern for some individuals, but for others, the benefits far outweigh this limitation. Once assets are transferred to an irrevocable trust, the grantor loses control over them. This means that once assets are placed into an irrevocable trust, they’re no probate prevention planning longer under the grantor’s control. Offshore Asset Protection Trust With proper legal guidance and thoughtful design, a living trust can offer Californians peace of mind, knowing that their hard-earned assets are protected and their loved ones provided for. It provides a way to protect your assets, confirm smooth succession, and preserve your legacy without the delays, costs, and public nature of probate. It’s advisable to review your trust every 3–5 years or after major life changes to make sure it still meets your goals. California is a community property state, meaning that most assets acquired during marriage are jointly owned. Understanding these limitations and seeking professional guidance can help you create a comprehensive estate plan that effectively protects your assets and achieves your desired outcome