Dependable Retirement Planning Advisors

Union City Retirement Planning

Union City retirement planning will guide California residents in planning for futures that are financially secure. Everyone in Union City and in similar towns and cities around the country looks forward to retirement, and enjoying carefree living without reporting to work on a regular basis. However, those who do not make planning a priority may find themselves having to work longer than they want to. Regardless of how many years working individuals have before their targeted retirement ages, it is smart to begin thinking about wise money saving strategies. With smart investment decisions and the help of CA retirement planning professionals, Union City retirement planning will help future retirees reach their financial goals.

California Retirement Plans

Life in California offers many opportunities for retirees to enjoy the years they have worked so hard for. Sunny weather, fascinating destinations, beautiful beaches and fun activities give future retires in Union City and throughout the state a lot to look forward to once they have completed their working years. If you are looking for California retirement planning professionals in Union City to help you plan for your financial future, using this website to get information about Union City retirement planning is a smart decision. From the comfort of your home and the use of your personal computer, you will also be able to find a CA financial planning advisor who will help you every step of the way as you prepare for your retirement years.

Successful Union City retirement planning must consist of enough funds to last your lifetime. Savings accounts, employer options and tax advantage plans will all help to create an investment portfolio that you will be able to count on well into your senior years. You and a reliable Union City financial planning expert will be able to evaluate your options and put together the best plan for your future financial needs. When you plan for your future, you will be able to live life the way you want to even when you do not have a paycheck.

Smart Savings Ideas

As you begin planning for your future in Union City, having one or more savings accounts will benefit you in several ways. You will be able to put money aside that you will be able to withdrawal when you retire. However, you will also be able to use money put aside in savings accounts for any financial emergencies that occur before you retire. When you take money out of savings accounts, there is no penalty for early withdrawal. In addition, you will not have to touch you money that is in other types of accounts when you have savings accounts that you can use for unexpected needs.

Another wise Union City retirement planning strategy is to take advantage of plans that are offered by your employer in CA. Most employers offer tax protected accounts that their employees can invest in to prepare for their futures. 401ks are popular, and provide easy investment options to help employees grow their savings. In addition, many employers will match a portion of money contributed to 401k accounts by their employees.

Some employers, such as tax-exempt organizations, religious ministries or teaching institutions, offer 403b accounts to their employees. Other small businesses offer SEP or Simplified Employee Pension plans. Like 401ks, money that is put into these accounts is subject to tax penalties if withdrawn prior to a specified age. However, they are beneficial Union City retirement planning investment options to take advantage of if you have the opportunity because they allow invested money to earn tax-exempt profits.

Investing in Your Retired Years

Whether or not your employer in Union City offers savings options, putting money in private investment accounts is a good Union City retirement planning strategy. You may select an IRA that will allow you to invest a specific amount annually for tax-deferred savings. Typically, you can invest up to $5,000 annually, and more once you are past the age of 50. This is an easy way to plan for when you retire, because you will be able to access tax-free savings when the time comes.

Certificates of Deposit or CDs are a low-risk money saving options that are great additions to Union City retirement planning portfolios. Each CD has a fixed term, and earns interest once it reaches maturity. Adding this low-risk option along with higher-yield savings plans will help you create a diversified investment portfolio.

Whether you are young or old, just starting your career or have been working for decades, now is the time to think about the day you will retire. The assistance of an expert planner will help you choose savings options that will work for you. When you begin Union City retirement planning and commit to saving, you will be able to reach your future financial goals.

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Retirement Planners In Union California

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

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

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

George  Salter
George Salter
PO Box 125
Alamo, CA 94507

David Bobrowsky, CFP
David Bobrowsky, CFP
1701 N. California Blvd.
Suite #60
Walnut Creek, CA 94596

Zain Griffith
Zain Griffith
One Sansome Street
Suite 3500
San Francisco, CA 94104

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

Pete Woodring
Pete Woodring
23 Ross Common 4B
PO Box 1428
Ross, CA 94957

Mallory Dinis
Mallory Dinis
4040 Civic Center Drive
Suite 200
San Rafael, CA 94903

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