Financial Planning*

Financial planning* goes well beyond Stocks, Bonds, Mutual Funds, Annuities, ETFs, REITs, or Insurance. These are simply tools. Our founder, Harak Gala, is a CPA and Financial Advisor who first listens to understand your goals, needs,  and dreams before making any recommendations. He looks at the whole picture - taxes, investments, retirement,  insurance, need of protection from inflation and possible market downturns and estate.
  
For more information or to schedule a complimentary meeting to discuss your specific questions, please contact us.
 
Harak Gala is educated, trained, experienced and licensed to help you with the following.
 
    Retirement Planning*
 
Helping you with 401k/403b/457 Rollovers.  Managing assets before retirement for accumulation and tax efficiency.  Managing assets during retirement for income, protection and tax efficiency.  Implementing and managing defined contribution as well as defined benefit plans.  Other tax professionals are welcome to refer their clients for establishing retirement plans for their clients and their small businesses.
 
·   Tax Management

Making sure you don't pay a penny more than the law requires. Looking for ways to help reduce your current and future tax burden.
 
·   Estate Planning

Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your legal advisors for wills and trusts.
 
·  Risk Management
 
Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation.  Stock market always does not always go up.  If you are retired or near retirement, there may be a greater need of protecting your assets.  In such situation helping with you with strategies to protect your assets during the market downturns.  
 
·  Education Funding*
 
Recommending investment and accumulation strategies to help you pay for your children's education.
 
·   Investment Planning*
 
Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.
 
·   Employee and Executive Benefits

Helping your business attract and retain qualified employees through benefit packages.