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    The 3-Step Review Can Help Assure You That Your Retirement Income And Investment Plans Are Focused On Your Concerns And Desires.

    3-Step Review

    First Step

    The first step of our complete look-forward review of your tax return is to determine your current tax situation. We’ll identify things like phantom income, insufficient uses of taxable and tax-deferral strategies, as well as detecting missed opportunities for offsetting gains and losses. This could be as simple as selling a losing stock to offset a capital gain on a mutual fund that you may have missed by waiting until it was too late. Our 3-Step Review can help you improve your strategy to lower your taxes.

    Second Step

    The second step is an income analysis to determine if you are using your income sources suitably and in the most tax-efficient method. We’ll also determine if you have adequate income to meet your future needs and the ever-increasing cost of inflation. This may be different than general economic inflation rates as each person’s rate is different based on how you spend your money.

    Third Step

    The third step is a risk analysis to make sure your investment risk exposure is one you are comfortable with and is in line with your asset allocation strategies. Research shows that people may make poor decisions, receive lower rates or incur more losses when they have more risk than they are comfortable with. A simple set of questions we use in our 3-Step Review will help assure you of what your risk comfort level is and help you avoid losses you are not prepared to handle or of which you were not aware.

    There is no better time to look forward and take control with a 3-Step Review. Find out if you have avoidable tax issues. Are you preparing to sell real estate? Do you need to increase your income stream or lower your risk level? Have you lost a spouse and now have all the financial decisions to make? Are you retiring or rolling over a large sum of money? Are you selling a business? A complete exploration of what you want your money to do for you is a very important step.

    The benefit of our 3-Step Review process is that it can apply to any financial decision or concern you have; it helps you to be more confident that the financial decisions you make are right for you. You will learn what questions to ask before making any financial decision, and identify ways to assure your decisions are in your best interest.

    Our 3-Step Review will also help determine what your next steps should be or what other areas need review, such as your estate plan, long-term care issues, charitable planning and more.

    Call 877.829.9227 or contact us today to learn how our no-obligation, 3-Step Review can help you with your specific concern or situation.

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    Planning Checklist”

    Discover 10 things you’ll need to consider in creating your retirement strategy.
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    We help create sound retirement income strategies for people in or nearing retirement so they can have confidence that their retirement income may last as long as they do!



    unique financial approach

    We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

    Securities and investment advisory services can only be solicited in the states where a financial professional is licensed and registered to do business in. Please inquire as to which states the financial professional is licensed and registered in before engaging in a business relationship. Securities offered through Madison Avenue Securities, LLC (MAS), Member FINRA/SIPC MAS and Kanani Advisory Group are not affiliated companies. David CA License #0B34918, Neda CA License #0L51510.

    Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

    *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

    The National Ethics Association (NEA) is a paid membership organization. All NEA Background-Checked members have successfully passed the annual seven-year background checks for criminal, civil, and business violations in order to meet the membership standards. However, the association provides no guaranteed assurance or warranty of the character or competence of its members. Always make financial decisions on the basis of your own due diligence.