Dependable Retirement Planning Advisors

California Retirement Planning

California retirement planning is a necessary task for all of those who wish to retire someday. That way the money that is needed to live is had and there are no worries regarding how to pay the bills. Basically, you are dealing with an income strategy that is going to evolve throughout time. You are going to be working with various accounts and you are going to be managing your money so that you can retire in comfort.

What you will also find is that as time progresses there are a number of things that are going to change. First, inflation is going to come into play. Second, you are going to have a better idea of you situation as you near retirement. That is why your California retirement planning is a never ending process. Because it is never ending, you always want to evaluate your plan when something in your life changes and on an annual basis as a part of a regular schedule.

Retirement Accounts

You should have a number of accounts as a part of your California retirement planning. You should have a good CA savings plan put in place. You should also have a 401K and an IRA. You can opt for these with your employer. However, you don't necessarily have to get an IRA through your employer like you do a 401K. You can opt for that on your own, but you may be missing out on the matching contribution that your employer will offer you.

What you want to do if you have accounts with past employers is roll them over. Rollover accounts allow you to roll all of your similar California retirement accounts into one account. This gives you a better idea of your total retirement income. By rolling over, you are able to maintain a tax-advantaged status because it is not considered a premature withdrawal. You can have a better idea of how your California retirement planning is going if you are able to look at everything at once rather than wonder what you have in what account.

Allocating Funds

In your California retirement planning, you want to allocate funds to certain places. This also means investing as a part of your income planning. So you will need a target allocation for your stocks, bonds, and in cash. Stocks and bonds should not include the investments within your 401K and your IRA. This includes separate investments that you may make to ensure you are building a solid nest egg for yourself. If you choose stocks, you will want to invest in bonds, as well as have some cash in your portfolio so that the volatility of the stocks is balanced out. It is those with a diverse investment portfolio that wins in the end.

How you allocate funds into your investments as a part of your California retirement planning also has a lot to do with the risks you want to take. Some will take higher risks when they are young to try and gain as much money as possible. This is a California personal planning preference for some and an ideal method of early retirement planning. The more you get in the beginning, the easier it is going to be later in the game. You will not have to deal with so much pressure as you near retirement.

As you get older, you will want to alter your California retirement planning by lowering your amount of risk. This may result in lower returns, but what you will then do is contribute more money to your California savings accounts and your 401K and IRA. So you will find that your California financial planning is a process that never stops. You have to always be mindful of where your money is going, how much you have, and how you can alter your plan to have more.

You may want to seek out the advice of a California planning professional. The reason is because they can help you in your California retirement planning and can review it with you when the time comes. Many in CA like this option because they can have an outside perspective on what is going on with their finances. It can be difficult for a person to see what is going on because they are so close to the situation. They are close to any of the problems that exist and they are too close to see solutions

So make sure you are always on top of your California retirement planning. That way you can make sure you will have the money that you need when you need it to live on after you retire. You don't want to be one in California who skips the planning process and hopes for the best. You want to be one who makes plans and is prepared.

What do you need help with?
Which advisory services are you looking for?
Retirement Planning Portfolio Management
Estate Planning Education Planning
401K Rollover  
What is the approximate value of your portfolio?
First Name Last Name
Email Zip Code
Primary phone
Details or comments  (highly suggested)

Find an Advisor

Please wait...

California City Articles

Retirement Planners In California

Andrew Chabot MBA, CFP
Andrew Chabot MBA, CFP
11810 Sebastian Way Suite 105
Rancho Cucamonga, CA 91730

George  Salter II, JD, MBA, CFP
George Salter II, JD, MBA, CFP
PO Box 125
Danville, CA 94526

Kurt Jackson, CFP,C(k)P,AIF,CRPS
Kurt Jackson, CFP,C(k)P,AIF,CRPS
1104 Palm St
San Luis Obispo, CA 93401

Zain Griffith
Zain Griffith
21600 Oxnard Street
Ste.1755
Woodland Hills, CA 91367

Zain Griffith
Zain Griffith
21600 Oxnard Street Ste 1755
Woodland Hills, CA 91367

David Bobrowsky, CFP
David Bobrowsky, CFP
1261 Locust St.
Suite #60
Walnut Creek, CA 94596

Brent Hanson CFP
Brent Hanson CFP
340 Rosewood Avenue
Suite P
Camarillo, CA 93010

Ryan Gunn, CFP
Ryan Gunn, CFP
2122 S. El Camino Real, Suite B
San Clemente, CA 92672

Rodd Miller, CFP
Rodd Miller, CFP
1901 Camino Vida Roble
Suite 112
Carlsbad, CA 92008

Matthew Pixa
Matthew Pixa
3020 Old Ranch Parkway
Suite 300
Seal Beach, CA 90740

Hans Reese, CFP
Hans Reese, CFP
1900 S Norfolk St, Ste 350
San Mateo, CA 94403

Jerry Slusiewicz
Jerry Slusiewicz
30131 Town Center Drive, Suite 105
Laguna Niguel, CA 92677

Anthony A. Saccaro, ChFC
Anthony A. Saccaro, ChFC
20335 Ventura Boulevard, Suite 125
Woodland Hills, CA 91364

John Borger
John Borger
27192 Newport Rd., Suite 4
Menifee, CA 92584

Eric Pritz, CFP
Eric Pritz, CFP
1848 S. Elena Avenue
Suite 100
Redondo Beach, CA 90277

Theodore E.  Saade CFP, AIF, CMFC
Theodore E. Saade CFP, AIF, CMFC
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Paul Taghibagi, CFP
Paul Taghibagi, CFP
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Fritz Miller
Fritz Miller
155 N. Lake Ave.
Suite 780
Pasadena, CA 91101

Shane Terry
Shane Terry
2710 Loker Avenue West
Suite 220
Carlsbad, CA 92010

Simon Reeves
Simon Reeves
30 Enterprise, Suite #190
Aliso Viejo, CA 92656

Kirk Miller
Kirk Miller
12729 Riverside Drive, # 313
Sherman Oaks, CA 91607

Jay Miars, CFP
Jay Miars, CFP
2888 Loker Avenue East
Suite 204
Carlsbad, CA 92010

David Kim
David Kim
3450 Geary Blvd, Ste 203
San Francisco, CA 94118

Rem Oculee
Rem Oculee
21250 Hawthorne Blvd
Suite 500
Torrance, CA 90503

Tim Bock
Tim Bock
1635 Village Center Cr
Los Angeles, CA 90067

Michael Harris
Michael Harris
600 West Broadway, Suite 225
San Diego, CA 92101

William Callahan
William Callahan
2169 Francisco Blvd E Ste E
San Rafael, CA 94901

Jonathan Freeman
Jonathan Freeman
3570 Carmel Mountain Road, #220
San Diego, CA 92130

Zain Griffith
Zain Griffith
21600 Oxnard Street
Ste.1755
Woodland Hills, CA 91367

Michael Souza
Michael Souza
11260 El Camino Real
Suite 220
San Diego, CA 92130

Michael Lynch
Michael Lynch
1700 Eureka Road, Suite 155
Roseville, CA 95661

Brian Holmes, MS, CFP, CMFC, AIF
Brian Holmes, MS, CFP, CMFC, AIF
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Jack Dominge
Jack Dominge
4633 Old Ironsides Drive - Suite 436
Santa Clara, CA 95054

Tami Simpson
Tami Simpson
650 Town Center Dr #920
Costa Mesa, CA 92626

Gary Santos
Gary Santos
5635 Stratford Circle
Suite B-27
Stockton, CA 95207

Mallory Dinis
Mallory Dinis
4301 Hacienda Drive, Suite 100
Pleasanton, CA 94588

Ken Sakamoto
Ken Sakamoto
1050 Enterprise Way, 3rd Floor
Sunnyvale, CA 94089

Mark Palmer
Mark Palmer
2175 North California Boulevard
Suite 800
Walnut Creek, CA 94596

Jonathan O'connell
Jonathan O'connell
3390 University Ave Suite 270
Riverside, CA 92501

Kerry Lee
Kerry Lee
4040 Civic Center Drive
Suite 200
San Rafael, CA 94903

Corey Fast
Corey Fast
2400 E. Katella Ave.
Suite 410
Anaheim, CA 92806

Elevate Capital
Elevate Capital
One Embarcadero Center
Suite 400
San Francisco, CA 94111

© 2019   Retirement Planning   All Rights Reserved. All other trademarks and copyrights are the property of their respective holders.
This website provides information related to the subjects covered. Before making any financial or legal decisions, a professional should be consulted.