It's easier than you think and with amazing results.

The Importance Of Controlling Your Spending

The less you spend, the more you can save. That doesn't mean you need to live like a pauper, but it does mean that you should get in the habit of spending less money than you bring in each month.

Spending less may mean making some changes to how you spend money, although not necessarily. There are plenty of painless ways to save money. But when you look at the advantages of spending less than you earn, you'll see that the sacrifices are well worth your while.

Give me a call for a FREE financial evaluation and to make sure your controlled spending benefits are maximized.

Jesse Alvarado
(562)822-5565

Would you like to leave a sufficient estate to your kids?

How about naming correctly the beneficiaries (your children) on your retirement and life insurance accounts.

Unfortunately very often designations are wrong. Yes, paperwork gets filled out wrong, somebody drops the ball, children's names are confused with cousins's names, etc and the result is people ignore their beneficiaries and disinherit their own children.

Don't let this happen to you. Most people never do a follow up to their retirement and life insurance plans. Don't be like most people, give me a call to set everything straight and get peace of mind.

This a FREE -no compromise- phone call,

 Jesse Alvarado
(562)822-5565

Successful Retirement as easy as you knowing these secrets...

A Secret For Successful Retirement Savers

Retirement and investment accounts often charge fees for trades, early withdrawals, failing to take withdrawals correctly, and other specific actions you might take. Get to know the rules so that you can avoid triggering fees and penalties.

A simple and still very powerful secret for success in your financial planning.

For more information give me a call to start a FREE evaluation of your financial situation and to establish a successful retirement plan today.

It doesn't matter if you think your financial situation is good or bad; the important thing to do is to get started!

Give me a call,

Jesse Alvarado
(562)822-5565

Saving the smart way for an effective retirement plan

Automate Your Retirement Savings

When you are saving for retirement, it is often a good idea to have the money automatically withheld from your paycheck so that you are not tempted to spend it on something else. If payroll withholding is not an option at your job, consider setting up a direct deposit from your checking account to a savings or investment account that occurs immediately after you receive each paycheck.

Simple techniques, as this one, do work; even something as simple as $10 a week over a period of time can add up pretty quickly.

Give me a call to learn more details on how to set up an automatic retirement savings plan considering your very own financial situation. This is a FREE evaluation you want to take advantage of.

Call me,

Jesse Alvarado
(562)822-5565

Don't underestimate the value of a financial education.

Get a Financial Education

Think of it this way, you are never too old to learn something new. When it comes to retirement, it's better to educate yourself about your options now. While you can afford to take more risks in an early age, major financial and retirement savings blunders early or later in life could put a serious ding in your long-term retirement savings.

Make it a point to learn about retirement savings options, your investment portfolio and other essential financial information. Then you can begin making decisions now that will boost your retirement savings for life.

Give me a call to begin your financial educational plan about retirement savings,

Jesse Alvarado

(562)822-5565

How to solve the debt problem

Debt is one of the biggest threats to our retirement

And, it's endemic to Americans. The average U.S. household has nearly $150,000 of mortgage debt, $35,000 of student loan debt and over $15,000 of credit card debt. That adds up to a whopping $200,000 of total debt!

How to break the debt cycle and start saving?

Give me a call for a FREE analysis of your very own financial situation in order to create a plan that confronts and eliminates debt out of the equation.

Don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

Learn how to save right.

Are you Saving money?

If you are not, it  is critical that you start building the habit of saving money. There are many areas where you can save money. And many ways to do it correctly.

Give me a call. I can help you with a FREE financial analysis to determine the best way for you to save money.

Don't postpone it, give me a call right now,

Jesse Alvarado
(562)822-5565

Do you have a saving plan?

It is important to have a saving plan and also a plan on how you can maximize your savings ability on any purchase you make. Yes on PURCHASES!

Give me a call to discuss further about these saving plans,

Jesse Alvarado
(562)822-5565
 

Do this now, for your children best financial and educational outcome.

When do I need to begin saving for college?

It is important to start saving as soon as your children are born, that way you have an early start on their college education savings.

If you are not saving already call me I can show you how you can get started.

Jesse Alvarado
(562)822-5565

A litttle savings now means a lot later...

How much should you be saving?

It is important that you pay yourself first from every pay check that you get. If you save 10% or more for your retirement, you have the opportunity to one day retire and be financial independent.

Call me to give you more information and set a savings plan for your retirement,

Yes, call me right now,

Jesse Alvarado
(562)822-5565

Learn the habit of saving money.

Are You Saving Money?

If you are not, it is critical that you start building the habit of saving money; there are many areas where you can save money.

Give me a call, I can help you with a FREE financial analysis of your situation as it is right now just to get you started in the right path.

Don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

Simple financial question, and the answer is simple too!

Do you value your life and your family's future?

If you do, I can show you how you can protect your family's future by having the right life insurance protection.

Call me today,

Jesse Alvarado
(562)822-5565

Don't delay starting your Retirement plan one more minute.

Are you over 50 and still have not started a retirement plan?

Perhaps the biggest problem in starting a retirement plan later in life is the loss of a prior significant period of time over which earlier investments could have compounded and grown. At a 5% rate, an investment doubles in 15 years; at 4%, in 18 years.

But even if you're in your 50s, you can still take advantage of the magic of compounded returns. That's because your retirement is likely to run upwards of 20 years. That's a long-enough period for investments you put away today to bear fruit.

Give me a call for a FREE evaluation of your financial situation and to start your retirement plan now.

Jesse Alvarado
(562)822-5565

Are you aware of this simple and powerful financial solution?

What does Life Insurance does?

Investing in a life insurance policy is an effective way to continue to provide for your family’s safety and stability in the event that something tragic happens to you.

Term life might be the cheapest insurance, but keep in mind that it does expire. The lower price is the main benefit of term life insurance over a traditional policy. Keep in mind that traditional life insurance policies are permanent financial assets, and can be used as something you could borrow against. On the other hand, your term life insurance will vanish the moment you stop making payments.

Obtaining sufficient coverage when buying life insurance is something you should be certain to do. You will need your insurance policy to cover debts like your mortgage and any personal loans, as well as cover school fees for all of your children.

Taking care of your loved ones is the most important thing you can do. Good life insurance will ensure that they are well cared for after you have passed away. You should be informed and apprised of important information that will help you keep your loved ones covered for less.

Give me a call to do what is right for your family, and obtain a sense of security in knowing that they will be provided for.

Don't delayed this call anymore,

Jesse Alvarado
(562)822-5565

Make sure once you retire that you can make those years the best ever.

Living according to a personal retirement plan.

Whether you want to explore things you have never done before or take it easy, having some idea of how your retired life will look before you quit your job is a great way to focus on the things that can maximize your retirement happiness.

Think about what activities, hobbies and events will make up your days, who you will choose to spend your time with and develop a plan to maintain good physical and mental health.

Give me a call for a FREE evaluation to set up a retirement plan specifically for you.

Don't postpone this call,

Jesse Alvarado
(562)822-5565

If this benefit is not there, do not lose time and money with a 401(k)

And what if your employer doesn't match contributions

One of the greatest benefits of a 401(k) comes from employer matches on contributions. If you're lucky, your company will agree to match your contributions up to a certain amount. You should almost always meet the company match. It's basically free money. Whether you contribute beyond the match is a decision you'll want to make taking into consideration your other investing options.

Unfortunately, many employers that offer a 401(k) plan don't match contributions. In that case, there are often better investment strategies. Since the money you contribute to your 401(k) will be taxed later in life and often has limited investment options, you may want to opt for alternative retirement plans.

Give me a call for a FREE evaluation of your financial situation and to share with you better retirement plan alternatives if you find yourself in a situation as explained in the previous paragraph.

Don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

Never overlook inflation particularly when it comes to designing your retirement

Will your future lifestyle require millions of dollars?

It’s inevitable: the more time passes, the more expensive things get. So, when planning for the future, make sure not to overlook inflation and its impact on the value of your money in the future. 

For example: to have what feels like $1 million today in 30 years, you need to have saved nearly $2.5 million! While that sounds downright depressing--trust me, I sympathize--the bigger point here is to make sure you don’t forget that pesky 3% annual cost of living increase (on average) when you’re calculating your retirement needs.

While you’re at it, consider how much you’ll really need to live the kind of retirement you want to live. Will your future lifestyle require millions? Or could you get by with less?

Let's get your very own situation straight!

Give me a call to set up your FREE financial evaluation, do not postpone it!

Call me right now,

Jesse Alvarado
(562)822-5565  

Extremely important financial plan

EMERGENCY FUND

Everybody needs one. Before saving, spending, investing or pretty much anything that involves moving money around, start by setting up an emergency fund. In the unfortunate case of a job loss, medical emergency or other personal crisis, you'll want to have the assets necessary to carry your family through to safety.

Generally, the recommended emergency fund is equivalent to six months of income. Establishing an emergency fund first is imperative. When hardships arise, you don't want to be forced to dip into your savings or retirement plan if you have one.

Let's set up an emergency fund for you.

Call me for a FREE evaluation of your very own financial situation. Don't put it off anymore.

Call me right now,

Jesse Alvarado
(562)822-5565

Debt is one of the biggest threats to a successful financial retirement

How to break the debt cycle and start saving

In addition to focusing on paying down high-interest debt and building an emergency fund (with enough to cover 3 to 6 months of expenses) so you can avoid going into further debt in the event of unexpected expenses, consider that choices you’re making now have a direct impact on your future stability. If you find yourself with a sudden impulse to splurge, pull back and pause to think about the larger picture. If you live below your means now, you won’t have to do it in the future when you may have fewer options (and less income).

Call me for a complete FREE analysis of your financial situation,

Jesse Alvarado
(562)822-5565

Instead of having a debt with high interests, own an investment with high interests.

Eliminate debt as quickly as possible!

The average U.S. household has more than $15,000 in credit card debt, more than $33,000 in student loan debt, and nearly $150,000 in mortgage debt, according to statistics from NerdWallet.com. One of the most important steps in taking control of your financial life is to solidify a plan to pay down that debt as quickly as possible. It’s imperative to stop acquiring new credit card debt that you’re not paying off each month.


If you’ve already acquired a large amount of credit card debt, pay more than the minimum balances due each month and if you can’t do that, at least make the minimum payments on time. If you’re carrying a large balance with an extremely high interest rate, consider a low APR credit card balance transfer credit card (but read the fine print). If you don’t qualify, consider a debt consolidation loan. Always do your research before opening any new line of credit.

Call me for a FREE financial evaluation of your situation,

Jesse Alvarado
(562)822-5565