Dependable Retirement Planning Advisors

Santa Clarita Retirement Planning

Santa Clarita retirement planning paves the way to the comfortable, independent life that you hope to achieve in your senior years. Whether you're getting an early start or you're just beginning to formulate your planning strategies in your 40s or 50s, it's never too late to prepare for a more secure future. Work with a Santa Clarita retirement planning specialist to make the most of the savings you've already accrued and diversify your investment options.

Retirement planning in California is a lifelong proposition. As a younger adult, when you're advancing in your career and raising a family in this pleasant city in Los Angeles County, you can start working towards your Santa Clarita retirement planning goals with a 401k or 403b account through your CA employer. As the town of Santa Clarita grows and its economy diversifies, Santa Clarita retirement planning opportunities have expanded, as well. With a dedicated approach to Santa Clarita retirement planning, you can accumulate the funds you need to lead the life you've dreamed of as a CA retiree.

Retirement and Your CA Employer

If you work for one of the high tech or entertainment companies in Santa Clarita, your employer probably offers a tax deferred Santa Clarita retirement planning account as one of the benefits of your employment. With a 401k or a 403b, you can contribute a portion of your pre-tax income to an investment account that grows through interest and dividends. Over the years, the funds in your account will increase exponentially, especially if your California employer matches your contributions.

An employer's matching contributions can be an important component of your Santa Clarita retirement planning strategy. Most retirement planning experts recommend that you contribute at least 10 percent of your income to your planning account, or up to the maximum amount that is matched by your company. With automatic pre-tax deductions from your paycheck, you can easily build your nest egg while reducing your tax obligations each year.

Smaller businesses in Santa Clarita may not offer a retirement plan for their employees. If you don't have the opportunity to save funds for the future through your job, talk with your employer about starting a simplified employee pension plan. You also have the option to open an Individual Retirement Arrangement, or IRA, independently of your employer. These tax-deferred arrangements allow you to contribute up to a yearly maximum total towards the future costs of living. When you retire and collect distributions from your IRA, your distributions will be taxed as income.

Retirement Savings and Investment Principles

The city of Santa Clarita offers its residents numerous opportunities for fun and recreation. Amusement parks, shopping centers and outdoor facilities appeal to the young and old alike. When you're ready to retire in Santa Clarita, you'll find that you can stay active throughout the year by participating in local events and volunteering for some of the city's charitable organizations. Planning for a rewarding life as a senior citizen requires reaching out to explore the possibilities of your California community.

Financial plans for your senior years should follow a few basic principles in order to maximize the value of your saving and investment efforts. Financial advisors recommend that you should avoid dipping into your savings at all costs. If you lose your job, suffer an illness or injury, get divorced or lose a spouse, seek advice from a Santa Clarita financial professional about how you can handle your expenses without tapping into your IRA or 401k funds.

With careful emergency planning and a combination of savings accounts and insurance policies, you can avoid the financial consequences of a major setback. Saving a percentage of your income for emergencies is another important principle. To avoid accumulating high interest credit card debt or making early withdrawals from your accounts, Santa Clarita retirement planning experts advise that you save enough money to cover at least six months of expenses.

Diversifying your savings and investment options is another important principle when you're developing a strategy for your future. To ensure that you have a steady stream of income after you stop working, and that the effects of inflation don't undermine your efforts, place your money in a number of different accounts. In addition to your 401k or 403b, invest in savings bonds, CDs or fixed rate annuities. The more diverse your options, the less likely you are to feel the effects of an economic downturn.

Share your Santa Clarita retirement planning goals with a certified planner who can help you evaluate your readiness to retire. A trained consultant with a dedicated interest in helping future retirees can provide an accurate analysis of your resources. If you need to increase your contributions, diversify your portfolio or simply spend more time considering your goals, a qualified consultant can help you make the changes you need to achieve independence.

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Retirement Planners In Santa Clarita

Tim W. Geisbauer, MBA, CFP
Tim W. Geisbauer, MBA, CFP
2655 First Street
Suite 250
Simi Valley, CA 93065

Alan Gelb, CFP
Alan Gelb, CFP
330 N. Brand Blvd.
Suite 1150
Glendale, CA 91203

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

Heather Castle CFP, ChFC, AIF
Heather Castle CFP, ChFC, AIF
1168 S. Barrington Avenue Suite 502
Los Angeles, CA 90049

Josh Fatoullah
Josh Fatoullah
2121 Avenue of the Stars
Suite 2350
Los Angeles, CA 90067

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

Eric Pritz, CFP
Eric Pritz, CFP
2121 Avenue of the Stars
Los Angeles, CA 90067

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

Anthony Masterson
Anthony Masterson
12100 Wilsure Blvd.
8th Floor
Los Angeles, CA 90025

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

Mark Higginbotham
Mark Higginbotham
21515 Hawthorne Blvd
Suite 200
Torrance, CA 90503

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