Retirement and Investment, Santa Clarita, CA

Financial Services Tailored For Your Priorities.

You visit the doctor to stay healthy. You take your car to the mechanic for regular servicing so it keeps running for you. Doesn’t your financial future deserve the same care from a professional? At Prestige Financial Advisors, you don’t need to know about dollar-cost averaging or Monte Carlo formulas. You just need to be an expert in you! Help us learn about your goals in life, and we’ll help you learn about how to plan for them.

We use analyzing tools, reports, and strategies available in the marketplace to develop a solid retirement plan. It’s important for us, as your financial advisors, to see a complete all-encompassing view of your financial picture, to build upon your success, and protect against the unknown. If necessary, we can refer you to tax professionals or attorneys in our network to advise you on specific aspects of your financial plan.

Retirement Income Planning

With a customized retirement income plan from Prestige Financial your dreams and goals become the focus of your retirement. Based on assumptions decided on between you and your financial advisor, you will know where you stand right now and where to make adjustments to help you achieve the financial freedom you desire.

Retirement Income Plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine back when retirement was only expected to last five to ten years. These days because people are living longer we feel you need an efficient and effective plan tailor-made to your unique situation.

Investment Management

At Prestige Financial Advisors we have a vast array of some of the most well-respected reputable investment portfolio managers the marketplace has to offer. All in an effort to help you construct a truly diversified investment portfolio that we believe will best help you reach your goals. In utilizing both tactical and passive approaches to asset management we seek to maximize gains and hedge against loss in an effort to help you be successful.

The Investment Team utilizes exchange-traded funds, mutual funds, and other alternative investments to construct a variety of portfolios geared towards fitting a variety of objectives and risk tolerance profiles. These portfolios can be used in conjunction with fixed investments, such as insurance or money markets which help to lower risk and can provide a potential income stream.

IRA & 401(K) Help

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½)
  • Transfer the money to another employer plan (if the plan allows)
  • Roll the money over to an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is a right move for you, and the best tools and strategies to help conserve and grow your rollover assets.

ROTH Conversions

Should you convert all or part of your qualified money to a tax-free ROTH IRA? Do you believe taxes will rise in the future?

Our Advisors will help you analyze the pros and cons of a ROTH Conversion strategy. We can help provide insight into the process, including the before and after results of what a conversion could do for you. If appropriate we will help you implement the process and navigate the intricacies in an effort to create tax-free income for you and an estate for your heirs.

Trust, Estates, and Leaving a Legacy

Estate planning is simply determining how to protect and best manage your estate while you are alive and where your assets should go after you die.

We can walk you through the various options available to you and your loved ones and direct you to a qualified attorney who can provide the legal advice necessary and draft the documents consistent with your goals.

Asset Protection

We understand that you’ve worked hard for your money and we’ll work just as hard to help you protect and grow it. Many families that we help at Prestige Financial Advisors are concerned about losing their hard earned assets to nursing home costs, lawsuits and children or heirs that may not share their conservative financial values. We can discuss options to alleviate these concerns, so that your assets end up with the people that you love and the organizations that you care about.

Long Term Care

Is long term care insurance right for you? It could be. As more than 70 percent of Americans over the age of 65 will need long-term care services at some point in their lives, according to a study by the U.S.. Department of Health and Human Services. Insuring against long term care costs is an important decision to be considered in the context of your overall financial plan.

Long term care insurance can be the best purchase one could make if one had a claim, however most feel its too expensive. There may be alternative legal strategies and new hybrid long term care life or annuity insurance policies that may be more appropriate for your individual situation that don’t have these expenses.