Broker Check

Services

How We Work

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

Cash Management

Developing a workable spending plan
Reducing or eliminating debt
Evaluate mortgage strategies
Increasing cash flow

Risk Management

Identifying family’s insurance needs
Evaluating cost-effectiveness of current coverage
Providing the protection for life and disability
Providing long-term nursing home care

Investment Management

Establishing and analyzing investment objectives
Development of a well balanced investment portfolio
Active management and rebalancing  of portfolios

Retirement Planning

Establishing realistic retirement goals
Evaluate current retirement resources
Developing a workable retirement plan
Implementing retirement strategies

Estate Planning

Determining methods of minimizing probate expenses
Evaluating proper methods of holding title to property
Planning for proper distribution of family assets
Reduction or elimination  of estate taxes

Other Services

Education savings plan
IRA, TSA, 401(k) and deferred comp (457)
Rollover of retirement accounts 

* These services are offered by John Banuelos, EA, CFP®,  through his affiliaton with KMS Financial Services.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

john@4uiplan.com   |  (559) 252-1474