Comprehensive Advice

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


Our firm is completely independent, so our loyalty is 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 , which takes commissions out of the equation and helps ensure that you receive objective advice that fits your particular needs and situation, not some hidden agenda. [Life and long term care insurance, annuities, and some mutual funds pay normal commisisons to us]. Managed accounts, ETFs, and investment advice are of course fee-based.


WTP advises on all financial topics, but focuses on the needs of clients age 50 and above. We specialize in solving their specific financial problems, concerns, and opportunities as they plan for and enjoy retirement.


  • Decision-making advice and analysis
  • 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 your independence


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


Our typical client questions: 


  • How much money will I need in order to retire?
  • Can I safeguard my investments as well as grow them for our future?
  • 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).