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

Dirk Gilliard
Dirk Gilliard
2409 Park Boulevard
Palo Alto, CA 94306

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
9701 Wilshire Blvd
Suite 1000
Beverly Hills, CA 90212

Zain Griffith
Zain Griffith
9701 Wilshire Blvd
Suite 1000
Beverly Hills, CA 90212

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

Garrett Morgan
Garrett Morgan
1451 River Park Drive
Suite 142
Sacramento, CA 95815

Ryan Gunn, CFP
Ryan Gunn, CFP
2629 Townsgate Rd., Suite 245
Westlake Village, CA 91361

Insight Wealth Strategies
Insight Wealth Strategies
5000 Executive Parkway
Suite 420
San Ramon, CA 94583

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

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

Theodore E.  Saade CFP®, AIF®, CMFC
Theodore E. Saade CFP®, AIF®, CMFC
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

Scott McClatchey, CFP
Scott McClatchey, CFP
2131 Palomar Airport Road
Suite 330
Carlsbad, CA 92011

Kirk Miller
Kirk Miller
12729 Riverside Drive, # 313
3rd Floor
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

Steve Ethridge
Steve Ethridge
1120 Mar West St.
Suite D
Tiburon, CA 94920

Hutch  E. Ashoo
Hutch E. Ashoo
1255 Treat Boulevard, Suite 300
Walnut Creek, CA 94597

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

Robert Blanusa
Robert Blanusa
1836 Second Street
Napa, CA 94559

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

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

Zain Griffith
Zain Griffith
9701 Wilshire Blvd.
Suite 1000
Beverly Hills, CA 90212

Michael Richardson
Michael Richardson
2100 Geng Road
Suite 210
Palo Alto, CA 94303

Michael Richardson
Michael Richardson
951 Mariners Island Blvd
Suite 300
San Mateo, CA 94404

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

Ken Sakamoto
Ken Sakamoto
4040 Civic Center Drive
Suite 200
San Rafael, CA 94903

Rick Donnelly
Rick Donnelly
2040 Main Street
Suite 150
Irvine, CA 92614

Rachel Vivian
Rachel Vivian
1960 E. Grand Ave.
Suite 720
El Segundo, CA 90245

James Selu
James Selu
21550 Oxnard Street
Suite 950
Woodland Hills, CA 91367

Eric Pailing
Eric Pailing
222 N Garden St
Suite 300 H
Visalia, CA 93291

Mark Higginbotham
Mark Higginbotham
21515 Hawthorne Blvd
Suite 580
Torrance, CA 90503

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

Corey Fast
Corey Fast
600 Anton Blvd
Suite 1750
Costa Mesa, CA 92626

Richard Ramos
Richard Ramos
6023 Coffee Rd. Suite A
Bakersfield, CA 93308

Brad Maurer
Brad Maurer
2400 E. Katella Ave.
Suite 410
Anaheim, CA 92806

Eric Pailing
Eric Pailing
9423 N. Fort Washington Rd. Suite 104
Fresno, CA 93730

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

John Sperger
John Sperger
150 South Los Robles Avenue
Suite 880
Pasadena, CA 91101

Jennifer Shintani
Jennifer Shintani
12680 High Bluff Drive
Suite 250
San Diego, CA 92130

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

Sam Hoss, RFC
Sam Hoss, RFC
30700 Russell Ranch Rd. #250
Westlake Village, CA 91362

Jennifer Staben
Jennifer Staben
1112 Galleria Boulevard Suite 160
Roseville, CA 95678

Jennifer Staben
Jennifer Staben
9245 Laguna Springs Drive Suite 200
Elk Grove, CA 95758

Omid Sasson MBA
Omid Sasson MBA
701 North Brand Boulevard # 830
Glendale, CA 91203

© 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.