Dependable Retirement Planning Advisors

Santa Clara Retirement Planning

Santa Clara retirement planning is your ticket to a relaxing retirement filled with the many delights of the sunny California city. Hopefully, if you intend to lounge and play away your golden years in Santa Clara, CA, you were able to start planning while still in your youth. Having such foresight is commendable and certainly puts you ahead of the game, as many Santa Clara residents along with those who live elsewhere but entertain California retirement goals do not begin their planning until the point that retirement is well within sight. The ideal time to start stashing away funds designated for your retirement is while you are young and energetic, and while you still have ample time ahead to make minor adjustments in your Santa Clara retirement planning if it becomes necessary.

If you have spent your prime years diligently working in Santa Clara, CA, you owe yourself the reward that comes from fastidious planning efforts. If you currently reside on the coast opposite California or somewhere in the Midwest but dream of migrating to Santa Clara following your farewell celebration at work, only careful planning will ensure that the reality of your CA retirement matches your hopes and wishes. While some future retirees feel entirely comfortable with the multitude of investment opportunities, savings account types, tax-deferred options, etc. that fit within the Santa Clara retirement planning puzzle, many others feel overwhelmed by the possibilities. If you are unfamiliar with this important field of planning, or if you have a few nagging questions despite your thorough independent research, consider consulting with a seasoned Santa Clara financial specialist.

Overview of Your Choices

Methods within Santa Clara retirement planning are plentiful and can be chosen and combined based upon what works well in your individual circumstance. A Santa Clara financial adviser can help immensely when it comes to drawing subtle distinctions between methods to determine which will most likely net you the greater gains for your eventual retirement. Before you ever meet with such an adviser, however, you can learn about many of your options without a great expenditure of energy. This way, you are able to feel more confident about the choices you make and do not find yourself leaning exclusively on the understanding of a monetary professional.

The number one realm of Santa Clara retirement planning that demands attention is that of saving. While any savings venue you take advantage of will be helpful to you in the basic aspect of guaranteeing you no less than a certain dollar amount in the account when it comes time to fund some your golden-years activity. Beyond a traditional account, though, are options which usually allow for expedited accumulation of value based on interest rates. These are usually known simply as high-interest accounts. However, there are still other types that cater to your basic savings needs while affording the rewards of investment venues. If you like the idea of maximizing earnings on all of the capital you store away, talk with a planning adviser about a Certificate of Deposit (CD) or Money Market Account (MMA).

Some widespread channels of Santa Clara retirement planning include 401(k) and IRA accounts. These are desirable primarily due to their tax-deferred status. This means that you can make contributions now from taxable dollars but not actually pay tax until the time of withdraw. Any money deposited in such accounts will naturally increase over the years. While these benefits are enough to justify the 401(k) and IRA as important staples of Santa Clara retirement planning, some entail an even better perk. If you do not already know your company's policy on matching your personal contributions to a 401(k) plan, make sure that you find out immediately. It is not often in Santa Clara retirement planning that you will happen upon free funds, but this is precisely what you receive with employer matching.

Lesser Known Options

Another tax-deferred choice that works out well for some is the 403(b). This is an option similar in many ways to a 401(k), but it is tailored specifically for those working in certain nonprofit organizations. If you believe your work place may possibly qualify for this but are not certain, a brief interview with a human resources representative should bring answers to your questions. Also, some future retirees use resources designated for other, specific financial purposes in their Santa Clara retirement planning. For instance, there are those who purchase whole, or permanent, life insurance policies while intending to use its accumulated cash value for their post working days. Whether such a move is financially prudent or could be better accomplished with other resources is something you could discuss at length with a licensed councilor. Regardless of the particular route you take, rest assured that your efforts in this field will pay off.

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Retirement Planners In Santa Clara

Kevin Logan
Kevin Logan
2350 Mission College Blvd. Suite 450
Santa Clara, CA 95054

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

Mallory Dinis - Senior Vice President - Investments
Mallory Dinis - Senior Vice President - Investments
4301 Hacienda Drive, Suite 100
Pleasanton, CA 94588

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