Retirement Products
•IRA
- IRAs were created to encourage people to save for retirement in additional to any other retirement plans. You can make an annual contribution of up to $4,000 or 100% of your earned income per year, whichever is less. Contributions are fully deductible, regardless of income amount, provided you are ineligible to participate in any other qualified plan. Contributions are partially deductible if your adjusted gross income (AGI) falls within established income guidelines. Any earnings you receive are accumulated tax deferred. Ordinary income tax applies upon withdrawal and a 10% early withdrawal penalty will be administer if withdrawal before age 59 ½.
•Roth IRA
- Roth IRAs were set up to encourage more people to save for retirement. It allows after-tax contributions of up to $4,000 per individual, per year. Earnings from Roth IRAs are not taxed as they accrue nor when distributed from an account, provided you are at least 59 ½ and your account have been open at least five years upon withdrawal. There is no required withdrawals, but a 10% penalty does apply for withdrawal before age 59 ½.
•401(k)
- A 401(k) plan is a salary reduction plan that is offered by employers. It offers tax deferred benefit for your retirement investments. You contribute a percentage of your pretax income each pay period to your 401(k) and choose specific investments from among those that are offered for the plan. Any earnings you receive from the 401(k) plan are accumulated tax deferred. Contribution amount can be change once a quarter. Ordinary income tax applies upon withdrawal and a 10% early withdrawal penalty will be administer if withdrawal before age 59 ½.
•Individual 401(k)
- The Individual 401(k) plan is designed for self-employed individuals and owner-only business. Such plans offer higher contribution limits than other plans and flexibility on the contribution dates. Penalty-free loans from the plan’s funding are available, provided the loan is paid back on time. Contributions are tax deductible and any earnings you receive from Individual 401(k) are tax deferred. Ordinary income tax applies upon withdrawal and a 10% early withdrawal penalty will be administer if withdrawal before age 59 ½.
•401(k) Rollovers
- 401(k) rollovers allow you to transfer holdings from one qualified retirement plan to another qualified retirement plan without suffering tax consequences. Funds and investments are withdrawal from your old 401(k) account and re-deposit to your new IRA account. Rollovers may be limited to once per year for each 401(k) and assets must be deposited to the receiving retirement account within 60 days after you receives the assets.
•SEP
- Simplified Employee Pension plans (SEPs) are pension plans designed for self-employed individuals and small businesses. SEPs allow employer to make sizable contribution to employee that is tax deductible to employer and is also excludable from employee’s gross income. Contribution can vary or skip in any year. Ordinary income tax applies upon withdrawal and a 10% early withdrawal penalty will be administer if withdrawal before age 59 ½.
•Various Others

Insurance
•Term - Whole Life
•Annuities
•Long Term Care
•Medical
-Blue Shield
-Kaser

Cash Management
•Short Term Investments (Taxable and Tax Free)
•Variable Rate Notes
•Cash Management Accounts

College Funding
•529 Plans

Ladder Portfolio

What it is...
• A dynamic approach to structuring a fixed income portfolio that will favorably handle interest rate fluctuations.

Advantages
•Monthly tax-free or taxable income
•No sales load or management fees
•Diversified portfolio reducing risk to interest rate exposure
•Ten year average life which is the best area of the yield curve
•You can start with a small investment and build as time goes on

What You Do...
•Purchase an equivalent number of bonds maturing every year for the next twenty years. This portfolio can also be divserified according to geography, type, and quality. Your short term maturities provide liquidity while your intermediate and long term maturities give your portfolio its higher value.

•When the first year bonds mature, buy bonds out to the 20 year range to take advantage of different interest rate markets.
•While you are invested in this laddered portfolio, 25% will be due in five years or less. In case of an emergency, this is generally the area to sell with the least exposure of principal risk. Normally there is a secondary market for any bond you may choose to sell.


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