We provide advice for all types of securities, such as ETF’s, mutual funds, stocks (as they relate to your portfolio holdings), bonds, bank deposits, and annuities. We also provide advice on 401(k) and 403(b) and other retirement programs.

Absolutely not. We offer recommendations in our professional opinion that will meet your needs and objectives. It makes sense to shop around for the best product or service.  For example, if you need a life insurance policy or disability policy, we will suggest the kind of policy, which riders and amounts may be best for you. We will direct you to a choice of companies that provide a quality product, competitive price for you. If you desire, we can help you purchase investments and or establish your account with a third-party custodian.

As a financial advisor and investment consultant, we believe in the following fundamental principles when it comes to designing an investment portfolio and making specific recommendations:

The purpose of a client’s investment portfolio is to fund current and/or future financial objectives.

The design of the portfolio must take into account the client’s financial objectives, tolerance for risk, needs for current income or liquidity, and special considerations such as income and estate taxes.

The important thing to remember is that no one can predict the future. Difference of opinion makes a market. Investment and economic “experts” provided with the same information often come to different conclusions. We do not suggest that we, or that any of the money or mutual fund managers that we may recommend, will make the correct decision every time. We do believe, however, that studying the historic trends and relationships of investment classes and the philosophies and approaches of successful investment managers can provide valuable insight.

The appropriate allocation of investment assets for your goals and risk tolerance is the most important component in developing an investment portfolio.

We believe that a diversified, well-balanced portfolio, combined with long-term strategies, affordability, and patience, increases the likelihood that one will achieve his or her long-term financial objectives.

Before recommending any investment, we consider the current economic conditions, the outlook for a particular asset class or type of security, and how the investment fits within a client’s portfolio given his or her objectives and tolerance for risk.

As fiduciaries for our clients, we strive to obtain the most appropriate investment vehicles to meet a client’s objectives, while being very conscious of total expenses and risk exposure.

Our fees our based on the actual time meeting with a client or via the phone, researching and analyzing that client’s current situation, and providing specific recommendations and implementation assistance if needed. Please see our Services section for more information including our fixed-fee options.

Financial planning fees are determined on a project basis. The total fee will vary based on the specific needs and complexity of your situation. An estimate is provided after the Get Acquainted meeting when your personal needs are identified.

Our first step is an initial inquiry. You can reach out to us at getyourbreakthru@yahoo.com  or 323–212–0856 The initial get acquainted meeting is no cost and no obligation and we’ll discuss which of our services is appropriate for you. The end result is a greater peace of mind. Contact us