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

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

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

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

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

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

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

Retirement Planning for Late-Starters

It's Never Too Late

Even if you're in your 50s with nothing put away for retirement, there's time to do something. That's especially true if you're still working.

Start Saving 10% Now! Figure out a way of freeing up now a decent chunk of your gross income every month. Put it into some kind of savings. This can include paying down high-interest credit-card debt.

Grab Those Tax Breaks. Put the most you can into tax-deferred accounts, either a 401(k) offered by your employer, or if none is available, an individual retirement account (IRA) that you open yourself at a mutual fund company or brokerage. You save the income tax this year on anything you put into these accounts.

So late in life, experts say you're better off to start investing in low-cost bond mutual funds. Then you can decide on an appropriate conservative allocation between equities and bonds. Just don't gamble on high-risk investments to "make up for lost time."

Use the Magic of Compounding. True, you're not starting retirement savings in your 20s or 30s. But even if you're 10 years or less away from retirement, you hope to live a long time after that. So at least some of your investments will be able to compound their returns for 20 years or more.

So yes, it is never too late to start your retirement plan.

Do you need some help setting it up? Call me for a FREE evaluation of your very own financial situation. Don't postpone it, call me right now.

Jesse Alvarado

(562)822-5565

Don't underestimate expenses when creating your retirement plan

The thing about retirement is that it's filled with expenses

And they can be thought of as the minimum needed to sustain a standard of living, plus extra for nonrecurring needs and amounts to help meet dreams. What's more, those expenses are likely to change over time.

So, to make your retirement plan work in reality you first have to make it work on paper. You need to compare whether you'll have enough guaranteed income to cover your essential living expenses, including food, housing and health-insurance premiums, at the point of retirement and then compare what amount of income you'll need to cover your discretionary expenses, such as travel and the like (if those are indeed what you might consider discretionary expenses).


No doubt, as you go about the process of matching income to expenses, you might find yourself having to revise your discretionary expenses, especially if there aren't enough guaranteed sources of income to meet essential expenses.

Call me for a FREE evaluation of your financial situation,

Jesse Alvarado
(562)822-5565

The old trick for financial success is still valid...

 Save and save and then... save some more...

I know I may sound like a broken record, but more than half of all workers and retirees say they have less than $25,000 in savings, according to a 2011 survey by the Employee Benefit Research Institute. And while we all may have a thousand and one excuses for why we can’t save, the reality is that saving something, anything, is still better than saving nothing. Saving money doesn’t have to be hard if we make it a priority and as automatic as possible. Start with the smallest amount you can put away per week, and try to increase it monthly, or quarterly, as you build a bigger and bigger savings account.

Call me soon to let you know how a particular form of investment can help you grow your savings dramatically using the power of compound interest.

Jesse Alvarado
(562)822-5565 

Do you have Life Insurance? Do you know how it works?

LIFE INSURANCE, TELL ME MORE ABOUT IT...

Life insurance is often marketed to high-earning professionals and business owners as a means to put away additional funds for retirement over and above any type of retirement plan they might already have, such as a 401(k).

The pitch is this: buy a policy with underlying investment vehicles that will build cash value over time. The client funds the policy for certain number of years and the growth in the cash value will eventually negate the need for additional premiums. At retirement the client can withdraw cash as a tax-free loan for retirement. The loans never need to be repaid and the only consequence is a reduced death benefit.

Unfortunately, the middle class hardly hears anything on this subject even though they (the middle class) constitute not just a huge market, but also with capabilities of creating plans that can be very creative and efficient for both the insured and the insurer.

This is where I enter the picture to provide you with more information and real answers to your specific issues.

Call me right now, don't postpone it,


Jesse Alvarado
Your WFG Financial Advisor
562-822-5565

This is another way to increment your retirement to a million dollars.

Increment your Retirement Plan contributions, first your kids become independent

Once your children are finished with college and support themselves, you will have a newfound ability to tuck money away for retirement. Usually people don't have a lot of money when the children are in school. You usually find that the period of time in your 50s and your mid-60s is when you are really putting away a lot of money.

If each member of a couple is putting $22,500 in a retirement plan and investing it in a reasonable manner, they could probably have a pretty good shot at getting close to a million.

Call me for a FREE financial analysis of your financial situation. 

Jesse Alvarado
(562)822-5565

This is what Social Security will not tell you...

Your cost-of-living adjustments come up short

Every year, Social Security recipients get a cost-of-living adjustment, a little bump based on the current rate of inflation and designed to cover the rising cost of everything from toothpaste to airline tickets. But some critics say the current measurement of inflation does not reflect the higher costs that seniors truly face. For example, many people in retirement may spend a large share of their budgets on health care, and the adjustments might not cover the steep rise in housing costs that can occur when seniors need to move into assisted housing. Plainly said in many parts of the country, a monthly Social Security benefit isn't enough to cover basic living expenses.

The pricing pressure means some retirees could find themselves struggling to cover essentials like gas, medicine and housing, meaning they will have to cut spending in other areas. For pre-retirees, it means ramping up your savings today so that you can struggle less in your golden years. The Social Security Administration says it has been using the Consumer Price Index to measure inflation for the cost-of-living adjustments since legislation instituting automatic cost-of-living increases was enacted in 1972, and changing the benchmark would take an act of Congress.

So, what can we do about it?

A simple understanding of how you can not depend on Social Security alone for your retirement is a start.

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

Jesse Alvarado
(562)822-5565

Financial Fantasy? Please don't live on it!

Do Not Live In A Financial Fantasy

Some 30 percent of Americans say they will need to work into their 80s to be comfortable in retirement.

Where is the fantasy here?

The reality is that many people won't be physically able to work into their 80s. According to the U.S. Administration on Aging's Aging Integrated Database (AGID), 22.5 percent of Americans aged 60-84 reported employment disability--they were physically unable to work and receive disability payments because of that disability.

Please say no to fantasies, live in the real world!

Call me for a FREE financial analysis.

Jesse Alvarado
(562)822-5565

Why Young People Need to Save for Retirement

No, You Are Not Too Young To Start Saving

It is a common shrug among people in their twenties, the retirement meh. "I'm too young to worry about retirement." Or, "I'm too broke to worry about retirement, and I'm young so it doesn't matter." In our late-blooming culture even some thirty-somethings exhibit the same indifference. Sorry kids, but you're wrong. Name an age. That's the right age to start putting money away for a rainier day.

The fact is, you should start stashing even a small amount of money as early as possible into a tax free account. If you become knowledgeable of this type of account, you will be the envy of anyone who understands compounding.

Call me for a FREE evaluation of a retirement plan that specifically applies to you.

Jesse Alvarado
(562)822-5565

When it comes to retirement alternatives, expand the Pie...

What else can I do to retire rich?

Easy. Don't just cut expenses - find a way to make more money!

By taking on side work or turning a hobby into a business enterprise, you can create additional streams of income to help fund your retirement.

In many cases, this is an excellent alternative to cutting costs because it allows you to maintain your current standard of living while providing for your future.

Give me a call for a FREE evaluation of your retirement alternatives,

Jesse Alvarado
(562)822-5565

Financial Literacy - What exactly do you need to do about it?

How Financial Literate are you?

More than three-quarters of U.S. adults think they’re good at managing their finances, but only 14 percent aced a 5-question quiz on basic financial concepts like interest rates, mortgages and inflation (25,000 Americans participated in this survey).

The survey found disparities between states when it comes to how its residents handle day-to-day finances and save for the future. California,Massachusetts and New Jersey topped the capability list. Those states ranked in the top five in at least three of the five measures in the survey. Mississippi, Arkansas and Kentucky placed near the bottom in two or more of the five measures.

Age also played a factor. Millennials in particular showed signs of financial stress. Those 34 and under were more likely to take out a loan or hardship withdrawal from a retirement account, or make late mortgage payments.When it comes to medical bills, this age group was almost twice as likely to have unpaid medical bills than Americans 55 or older.

No doubt our financially literate levels need to improve; however, what you need to do is approach your very own financial situation as an individual. In other words, the numbers in the survey above tell a lot, but your very own financial numbers though can tell you more valuable information and in particular where exactly your focus should be.

Call me for a FREE evaluation of your financial numbers, find out more about where you are and where you can and will be.

Jesse Alvarado
(562)822-5565

The worst debt, the one to avoid!

Avoid credit card debt

Digging yourself out of credit card debt is a lot harder than getting into it. Try to pay all of your credit bills in full and on time. If you cannot pay your whole monthly bill, every dollar you pay above the minimum payment can reduce your interest payments. Women in particular should make a point to be careful with credit. Compared to men, women were five percentage points more likely to carry a credit card balance, four points more likely to pay the minimum payment and six points more likely to be charged a late fee.

If you have credit card debt or no debt, or if you do not know exactly where you stand, please call me for a FREE evaluation not just on your debt, but on YOUR complete financial situation.

Jesse Alvarado
(562)822-5565