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 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

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

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

So what is this important Financial number?

What should your yearly income be when you retire?

Many  factors impact this calculation, such as lifestyle, culture and cost of living. Once retired, an American investor should withdraw no more than 4 percent or 5 percent from retirement savings each year.

For example, if an investor anticipates needing $100,000 per year - not a large amount, considering inflation - during retirement, the investor needs to save over $2 million.

Give me a call to make this calculation and create a plan according to your specific financial situation.

This is a FREE evaluation; so, take advantage of it.

Call me,

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

Education is not cheap! And it is worth planning for it

How much do I need to start saving for college education?

It is important to consider what kind of career you may want your child to pursue in life in order to look into what it would cost achieve that goal.

Education is not cheap if you don’t know how much you need to start saving I can help you plan accordingly.

Give me a call for a FREE evaluation,

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

Financial Independence Number? What is that?

Are you saving for your retirement?

If you are not it is critical that you do start saving. It is important to know what is your financial independence number; that is, how much money you need to have saved by the time you retire to then live the rest of your life with financial freedom. If you don’t know what that number is I can help you find out.

Give me a call,

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

Who doesn't need more money for Retirement?

Can Your Retirement Income Be For Life? 

Those on the cusp of retirement and those already living in retirement need to look beyond their traditional mix of stocks and bonds to building a portfolio that consists of all their sources of capital.
 
What's more, they may need to incorporate some of those not-so-well-understood products, such as longevity insurance or single-premium immediate annuities or variable annuities with guarantees, into their portfolios. Or at least, they should if they want to be prudent.

The concept of constructing a portfolio designed to accomplish multiple goals, including not outliving your assets, is a reality.

Give me a call, and let's discuss your very own financial reality.

This is a FREE financial evaluation you do not want to miss,

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

Let's clarify how is your financial life, how is your retirement plan set.

Where are you in your financial life?

The number one reason, most people late in their life desperately look for financial advisors, has been to get help planning for their retirement. Also, pension funds and company 401(k) contribution match programs have been disappearing to compound the problem. And under current laws, funding for Social Security could run out in 25 years--just as many of us are approaching retirement age.

The fact is: We are more responsible now than at any time in the last century for funding our financial futures. And yet, nearly half of Americans say they aren’t contributing to any retirement plan.

In the meantime, consumer debt keeps rising--as do the prices we’re paying for just about everything. Is it any wonder that so many people are pushing off retirement?

Give me a call and let's clarify where you are; and, where you are going with respect to your financial situation at this very moment; do not be like most people desperately looking for answers when it is too late to create good solutions.

Yes, call me for a FREE evaluation of your financial situation, do not postpone it,

Jesse Alvarado
(562)822-5565

How to take it easy when retirement comes

TIME TO RETIRE. CAN YOU DO IT?

According to a recent survey, 52 percent of the oldest baby boomers have already retired. They have left work behind and begun the next chapter of their lives. But that number also means that almost half of people who are turning 67 this year are still working. And among those who retired, 54 percent did so earlier than they originally planned to, mainly due to health issues and job loss.

Among the baby boomers who are still working, only 39 percent believe they will be able to retire as originally planned. Working boomers have increased their planned retirement age to an average of 71 in 2012, up from 66 in 2008. So, while 65 was a generally accepted target retirement age for earlier generations, you might say that 71 is the new 65 for the eldest baby boomers.

Time to retire? Do you know if you could retire any time you wish? or, Do you think you will have to do so around your 71st birthday? or, Do you believe you will have to work till you drop?

Confront this reality now! Grab the bull by the horns, don't let fear control your life.

Call me for a down to earth FREE consultation about your financial possibilities,

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