Comprehensive Advice

Wealth & Tax Planners (WTP) -  we simplify your financial life and help you make smart money decisions to achieve your financial dreams. We provide clear, unbiased advice about your finances, without jargon, plus access to the same sophisticated solutions employed by very high net worth investors and large institutions today. 


Our firm is completely independent, so our loyalty belongs exclusively to our clients, not to a parent company. We do not farm out our work to a "Home Office" - all analysis and interaction is done here with your Advisor. We work primarily on a fee-based compensation. This approach takes commissions out of the equation and helps to ensure that you receive objective advice that fits your particular needs and situation, not some hidden agenda.


When we work on your insurance, or through Mutual Securities, Inc., the Broker-Dealer with whom we associate, then our compensation is in the form of commissions and/or servicing fees from the investment companies. This would be for direct purchases of mutual funds or variable annuities, and life or long term care insurance. Managed accounts and investment advice are of course fee-based.


While we advise on any financial topic, WTP focuses on the needs of clients age 50 and above, and their specific financial problems, concerns - and opportunities - as they plan for and enjoy retirement.


  • Comprehensive Advice and analysis to assist decision-making
  • Retirement Calculations  - "Will my money last? When can I retire?"
  • Investment Management -  Cost-effective, sophisticated, conservative
  • Tax & Estate Planning  -    Beyond living trusts and Muni bonds
  • Long Term Care -               Preserve independence


Good financial decisions don't have to be confusing. We can help with questions about your financial future and get you on track to meet all your financial goals. A complimentary "Get acquainted" session may be scheduled - call 925-938-4300 or email


Some typical client questions we answer: 


  • How much money will I need in order to retire?
  • Where will the money come from if I retire early?
  • How can I get the most out of my 401(k)?
  • Should I have a traditional IRA or a Roth IRA?
  • How do I maximize the return on my investments while reducing risk?
  • How can I "inflation-proof" my investment income?
  • What are the new Exchange Traded Funds (ETFs) all about?
  • How can I save more taxes?
  • Do I need Long-term care insurance?
  • How do I preserve my estate for my children and chartities?
  • What do I need to know about wills, trusts, probate, and beneficiaries?


Many of our clients come to us as referrals from satisfied clients. Should a friend of yours like to benefit from the "Complete Advice" that we offer, please take a moment to refer them to us, or to this site. As a token of appreciation, we will give you a free copy of our book "Achieve Retirement & Education Security" ($49.95 value).