We specialize in helping plan, manage and monitor your retirement wealth.

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Retirement
Planning
STEP 1: Create
  • Determine
  • Diagnose
  • Develop
  • Decide
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Wealth
Management
STEP 2: Implement
  • Income
  • Investments
  • Insurance
  • Inheritance
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Progress
Reviews
STEP 3: Monitor
  • New Year
  • Mid-Year
  • Year-End
  • As Needed
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Recent Posts

March 19, 2018

A Look Back – March 19, 2018

Markets were up on Friday, but domestic stocks lost ground for the week as political turmoil and potential trade wars weighed on investors’ minds.i The S&P 500 dropped 1.24%, the Dow gave back 1.54%, and the NASDAQ decreased 1.04%.ii International stocks in the MSCI EAFE barely avoided losses with a 0.13% gain.iii Read More
March 23, 2018

Tax Preparation Versus Tax Planning: Do you have a Tax-Efficient Retirement Income Plan?

It’s that time of year where taxes are top-of-mind for all Americans. While April 17 is an important deadline and many are familiar with the steps involved for tax preparation and filing, what steps are being taken to reduce your tax burden the other 364 days each year? Many retirees are shocked to discover that the impact of income taxes on their retirement could be significant. While W2 wages may come to a stop, Social Security will likely be at least partially taxable and withdrawals taken from tax-deferred retirement accounts can quickly add up. Especially once reaching the age of 70.5, when required minimum distributions will continue to increase each year forcing you to take taxable income, possibly even pushing you into a new, higher tax bracket. You have likely heard about the importance of diversification and asset allocation as investment fundamentals. In retirement, asset location and tax diversification can be equally significant factors. There are a number of different account types or “locations” ranging from taxable, tax-deferred and tax-free to choose from, along with investment vehicles with tax-advantaged benefits. By diversifying your investments into a variety of accounts based on tax-status, you can begin to control and mitigate when taxable events will occur to be in your favor based on current circumstances and tax laws. Retirement planning is a distinct specialty that requires expertise to create a comprehensive strategy for where, how and when to take money from your savings for income. The bottom line, a retirement plan with no tax plan may be one of the most significant and irreversible mistakes you can make. After all, you may recoup losses with investments in the market. The same is not true for costly tax-planning mistakes. Have retirement questions you’d like to see answered in future columns? Email Info@CRARetire.com. Christian Cordoba, CFP®, RFC®, CFS, is a CERTIFIED FINANCIAL PLANNERTM, Master Elite IRA Advisor and founder of California Retirement Advisors.        
March 23, 2018

5 Retirement Mistakes Small-Business Owners Make

As a business owner, you face unique challenges and opportunities when building your financial future. This special report provides insights on mistakes to avoid and steps to take for building the retirement you desire-while managing your myriad responsibilities. Read More
March 23, 2018

IRA Contributions: Eligibility and Deadlines

As their tax-filing deadline approaches, many taxpayers ensure that they contribute to their IRAs so as to receive the related tax benefits. If you are doing so, it is important to ensure you satisfy the contribution eligibility requirements in order to avoid IRS-assessed penalties. Here are some important reminders to help you to meet these requirements. Read More
March 5, 2018
Southbay Magazine California Retirement Advisors

Spotlight: California Retirement Advisors

“We take an objective centered investment approach to help clients identify a particular need (preservation, income or growth), then help them fill that need with the most appropriate combination of solutions available." - Christian Cordoba Read More

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At California Retirement Advisors (CRA) we are dedicated to providing personal retirement plans and wealth management services to help meet the multifaceted financial demands of retirement today. Navigating the financial challenges to help ensure a safe journey requires the organization and integration of your income, investment, insurance and inheritance planning needs by a team of trusted advisors.

If you don’t have the time, knowledge or desire to do it on your own, and want to learn more about our retirement planning services, call 310.643.7472 or Contact Us to request a consultation today!