Do your financial decisions now! There is no better time!

THE BEST FINANCIAL MOVE YOU CAN MAKE EARLY...

If you are in your 20s, you're probably graduating from college, settling into a career and making some major life decisions. While you're thinking about who to marry, where to live and which career to choose, don't put your retirement on the back burner.

Sure, you have plenty of time to save for retirement - probably 40 years or more. But this decade is when you'll build the financial habits that will carry you through to a wonderful retirement.

With that in mind, give me a phone call to obtain a FREE evaluation of your financial situation now. From there, some retirement moves can also be considered to begin building those crucial financial habits now.

Give me a call,

Jesse Alvarado
(562)822-5565

Financial exercise like physical exercise has its rewards!

If you are not yet in your 30's, set yourself to meet smaller financial goals

 Financial discipline is like a muscle - the more you use it, the stronger it gets. Meeting small financial goals is a  great way to practice your financial discipline while rewarding yourself along the way. So make a habit of setting small financial goals, especially savings goals.

Whether you're saving for a new car, vacation or wedding dress, that feeling of sweet success when you meet your savings goal will spur on your long-term retirement savings goals.

Give me a call to go over your very own financial situation and set those small and also big financial goals in place and realistically reach them.

It's easy, don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

Manage your debt the right way: Today -not tomorrow-,

What can be done about credit card debt?

The average household with credit card debt owes just over $15,000. And according to the FINRA Investor Education Foundation, 60 percent of women carry a credit card balance.

It is easy to let credit card debt get out of hand if we aren’t mindful about it. But with some simple strategies, you can gain, rather than lose, from your credit card debt.

Give me a call at (562)822-5565 to tell you specifically what can be done about your very own credit card debt; and, to analyze with even more extent your financial situation and set a debt solution plan accordingly.

This is a FREE financial evaluation without any compromises.

Don't postpone it, call me right now,

Jesse  Alvarado

(562)822-5565

Financial know-how is all you need.

How to improve your life and your family's future?

I can specifically show you how you can protect your family's future by having the right life insurance protection; and, by doing so improve your own life with the best peace of mind you never thought you could get.

Call me at (562)822-5565

Jesse Alvarado

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

Accounting for today's economy in your Retirement Plan

Do you want to pay off the mortgage before you retire?

However ask yourself this more important question: Do you have enough money to pay for property taxes, maintenance and general retirement expenses for the next 25 to 30 years?

Remember we are in a low-mortgage-interest environment so, it doesn't make sense to pay off your mortgage. You see, if in a corporate bond fund you can earn 4 to 6 percent and you're paying only 2.75 percent on your home mortgage plus you get a tax deduction, it is better not to pull out a lump sum from any savings to pay off your mortgage period.

Give me a call for a FREE analysis of your financial situation and to make sure a retirement plan is made (or is improved) accounting for all the most important economic conditions present today.

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

Easy financial planning; and how to do it.

What to do to ensure retirement income?

The best is to save more and plan achievable and realistic rates of return during retirement. Three to six percent is reasonable.

But consider this when planning your retirement: Tax rates vary. Drawing principle from a taxable account with no realized capital gains costs nothing, individual retirement accounts and other retirement distributions are taxed as ordinary income, and Social Security and real estate have their own tax ramifications, so look at after-tax or net income not pretax.

Give me a call for a FREE evaluation of your very own financial situation and let's analyze how best ensure your retirement income according to your situation today.

Call me, don't postpone it,

Jesse Alvarado
(562)822-5565

Financial retirement planning today. Don't forget to subscribe!

 Scary Retirement Planning? IGNORE THAT! 

Fortunately, you don't have to be doing any scary retirement planning, why? Because it is not scary; you see, all you need to do is to take the time to do some retirement planning today. Yes, the longer you wait, the harder it will be to have what you need. But the more you know, the better off you'll likely be.

In your retirement planning, examine all the angles, including Social Security. It plays a key role in your financial security, no matter how much you end up collecting from it -- and by making smart decisions, you can position yourself to collect as much as possible.

I invite you to give me a phone call to let you know about the amazing opportunities that exist today for creating the best retirement plan for you.

This is the opportunity for you to get a FREE financial evaluation and for you to decide what to do.

Don't put off this great opportunity to tackle your financial retirement planning,
(If the line is busy please keep trying)

Jesse Alvarado
(562)822-5565

Retiring at some point in time is inevitable!

Did you know 20% plan on never retiring?

Many Americans have found that they simply must keep working for as long as they can, due to insufficient retirement planning and saving. "Never" is an extreme word, though. You may keep working past age 65 and even be working at 75, but at 85 or before that, it may just be impossible. Your health may not permit working, or there may just not be a job to be had.

Be realistic an take a look at your situation. Give me a call for a FREE financial evaluation so that a well designed retirement plan can be constructed according to your very own financial circumstances.

Don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

Plan for the reality of retiring one day.

SO YOU THINK YOU WILL NEVER RETIRE...

It has been estimated that 33% of retirees became so due to circumstances beyond their control. This is critical to consider for those planning to never retire. The choice may not be yours. You may end up downsized or may develop serious health problems, or may have to leave the workforce to care for a loved one.

The little silver lining here is that while you might lose your job, you can probably generate some income without it, either by finding acceptable part-time work somewhere, or perhaps by taking matters into your own hands: preparing taxes, tutoring kids, dog-walking, consulting, taking in a boarder, selling items on eBay, knitting, being a handy-person for hire, and so on. In your financial planning, include some contingency plans.

Get a FREE overall analysis of your very own financial situation today. Then you can securely plan for the reality of retiring one day; it doesn't matter where you are today financially. The important step to take is the first one to get you started.

Don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

Financial planning later is always better than never.

Even in your 50's you can start your retirement plan

Yes, the earlier you start your retirement planning the better. But, consider the following: if you're 45, you might be hoping to retire in 20 years; if you're 54, you might expect to work just 11 more years or so. And if you don't have a sizable nest egg under construction, you're probably in trouble.

The good news is that all isn't lost. A little retirement planning and some actions taken now can have a profound effect on your financial situation. You might work some additional years, for example, or take on a second job for a few years. You could reallocate your investment money, if it's not deployed effectively. You might even decide to downsize your home and perhaps even move to a less expensive region in retirement.

There are in fact many things you can do to maximize your retirement.

Give me a call for a FREE analysis of your very own financial situation. And learn about the many things you can do today to create a better retirement plan.

Call me right now,

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

Make it a habit, the greatest Financial habit.

Pay yourself first

This is the old adage which is crucial to savings success, especially when you're in your 20s. One excellent option is to open a retirement account; have a set dollar amount or percentage of your paycheck sent straight to your retirement account every payday.

You'll start a savings habit, and you'll never even miss the money that never hits your checking account.

For more details give me a call to establish this type of retirement account for you today.

Don't delay it, call right now,

Jesse Alvarado
(562)822-5565 

It's REAL it's on the financial news! Don't miss this and futures updates, register.(Follow by email)

Latest Financial News

According to a new study, the 401(k) savings account isn't adequately providing for people's retirement and is adding to the nation's growing wealth inequality.

The report from the Economic Policy Institute, a liberal-leaning public policy think-tank, illustrates how the shift from pensions to individual savings accounts has affected retirees.

This is not good news, it is really bad news.

This is your future. Please there is still time to resolve this problem at least at the individual level. Your individual level.

You need to call me for a FREE financial evaluation of your situation. This evaluation will determine the best way to organize and create a valid retirement plan for you.

Don't postpone it, call me right now,

Jesse Alvarado
(562)822-5565

A good financial question to get the answer and act on.

How many dollars do I need to accumulate for my Retirement?

There are all kinds of rules of thumb about what level of your current net income you'll need to sustain yourself in retirement, generally ranging from 60% to 80% to even more. But if you're new to retirement savings, don't be paralyzed because you won't reach those goals. Simply do the best you can and keep in mind that you're not starting from zero.

For example, even if your current employer doesn't offer a traditional defined benefit pension plan--one that pays a set amount each month--you may well have earned a monthly stipend from a previous job. This is a good time to paw through your old files and find records of any pensions from ex-employers you may be entitled to.

Give me a call for a FREE evaluation of your very own financial situation. These FREE evaluations get booked pretty soon after these blogs are posted so, don't postpone it.

Give me a call right now,

Jesse Alvarado
(562)822-5565

Simple financial tips for an empowered retirement plan

An Idea To Help You Put Together A Strategy For Retirement

Assess where you stand. Count up your assets.

With the past year's stock market increase, the average pre-retiree now has a balance of $250,000 in a retirement plan. If you have a pension, it's probably worth more than that.

Then look at your debts. Is your mortgage paid off, or nearly so? Now is not the time to take on new debt. If you need to get a big loan to buy a new car, keep the old one and fix it up instead.

Preparing your strategy for retirement does not have to be complicated. Give me a call for a FREE evaluation of your financial situation and to explore further how to play your strategy for retirement.

Call me right now,

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

A little planning for your Financial future

What exact amount of $'s do I need for my retirement?

If you're going to live off 4 or 5 percent of your nest egg annually, ideally you will have plenty of cushion built in, so you can only take, say, 3 percent if you need to. That's because your retirement fund needs to be robust enough to withstand the Great Recession of 2039 or the Great Depression of 2051 or whatever the economy dishes out.

It's impossible to offer up an actual number on what someone needs for their retirement. Some people are better at living on less than others.

Your retirement fund needs then to be constructed on a good foundation. Give me a call to determine the amount you need for your very own retirement according to your financial situation.

Dont't postpone it, call me right now,

Jesse Alvarado
(562)822-5565