July 30 Medicare Options Workshop Details and Agenda

Educational Seminar regarding your Medicare Options Medicare 101: Which combination of Medicare options is right for you? Speaker: David F. Smith, PhD, CFP® CA 0766763 Agenda: ☺The different ways to get Medicare☺Entitlement to and Enrollment in Original Medicare (Parts A & B)☺Medicare premiums (Parts A & B)☺Eligibility for Medicare Advantag...
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Carlsbad September 10 Medicare Options Workshop Details and Agenda

Educational Seminar regarding your Medicare Options Medicare 101: Which combination of Medicare options is right for you? Speaker: David F. Smith, PhD, CFP® CA 0766763 Agenda: ☺The different ways to get Medicare☺Entitlement to and Enrollment in Original Medicare (Parts A & B)☺Medicare premiums (Parts A & B)☺Eligibility for Medicare Advantag...
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The "Do I need Life Insurance in Retirement" Debate

Here is an article by David Cordell and my response to his points.  The bottom line is only through professional risk transfer advice can this be an informed decision.    Download PDF File Here   Download PDF File Here
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Non-profits Have Few Executive Benefit Options: here are some from Nationwide

​Key highlights (click on the title for the PDF) • Organizations subject to the 21% tax under Code section 4960 • Private inurement, private benefit and excess benefit Transactions • Remuneration for executives   Download PDF File Here
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CA Section 704 Plan™ Protecting your retirement assets from creditors and much more

CA Section 704 Plan™ Protecting your retirement assets from creditors and much more. In my work on estate and financial planning,I provide consultation, advice, and implementation of structures conforming to California Code of Civil Procedure §704.115. This 30-year-old law allows individuals to protect their retirement savings that are not held in ...
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Buy-Sell Planning Resources for Business Owners

Your business may be your greatest asset. You may be planning on retiring on the proceeds of a sale - your hoped for liquidity event.  You should consider planning for what can happen before that happy day.  Here are some thought provoking ideas from our financial company partners. From Nationwide Financial: Buy/Sell agreements and life i...
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The CA Section 704 Plan™: Executive Summary

The CA Section 704 Plan™: Executive Summary Think of the CA Section 704 Plan™ as a brick wall keeping creditors, taxes, health risks, and potential divorce problems away from your assets. Only in California is this plan available. It is a low-effort method to accomplish major asset protection. The CA Section 704 Plan™ is a combination of proven str...
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Newsletter: Asset Protection Planning for non-ERISA/IRA Retirement Accounts

See the PDF attached for more information on the problem and solution for protecting non-ERISA/IRA retirement assets.    Download PDF File Here
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Layering Liability Protection for Retirement Assets: The CA Section 704 Plan™

Your retirement assets not held in a qualified plan are subject to the claims of your creditors. A judgement against you creates a liability for you to pay. California law provides a way to reduce or eliminate the effect of this liability on your retirement assets. The CA Section 704 Plan™ I provide uses this law to its fullest effect. Your retirem...
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Implement a CA Section 704 Plan™- California Liability Limiting Retirement Restructure™ (CaLLRR™)

Personal retirement plans are subject to many risks beyond the volatility of investment returns. While volatility is ever-present, it is mitigated by many devices including asset selection, asset allocation, and hedging. The other risks can be even more devastating leading to a complete loss in value: but this loss is a win for someone else. Person...
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