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Larry Krause, CFP® & Gisela Lake, CFP®

Private Wealth Management

We inventory and analyze your current investments and make recommendations concerning those investments. We will also make recommendations concerning other investments suitable for your tax bracket, estate and family circumstances, liquidity needs, retirement goals, objectives, preferences and economic resources. We review all investments with regard to how they integrate with all your goals, cash flow, and liquidity, including other aspects of your financial circumstances. We are knowledgeable about just about every form and type of investment. We can even help you implement investments.

Financial Planning
Retirement Planning
We can review, inventory and analyze all resources available for retirement or potential retirement., We project needs for living expenses during that time if applicable, estimate qualified retirement benefits and benefits from your employer's investments and social security, we then compare them with future needs, We also coordinate with all investment planning to alleviate any possible shortfall in monthly income, and we adjust all analyses with an inflation factor. 
Estate Planning
We can review your estate desires and present strategies intended to reduce estate costs and delays.
Charitable Giving We also review your charitable plans and if appropriate, educate you about standard and unique charitable planning techniques. 

Income taxes
We can review your past and current tax circumstances and discuss present and future strategies to reduce income taxes.  

Insurance Coverage
In order to preserve the net worth you have created or will create, we can overview your personal insurance coverage; identify gaps or overlaps in coverage of medical, auto, casualty, liability, and homeowner's risk. We can review your life insurance policies for their adequacy and discuss available alternatives to life insurance for accomplishing your estate goals. We also review your need for long term care insurance.
College Funding
If college funding is applicable, we will review your objectives with regard to education your child (children or grandchildren) and forecast future education costs. We will also make recommendations for procedural or investment alternatives to reduce your overall economic cost.
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 IMPORTANT DISCLOSURES Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, legal, or retirement advice or recommendations. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

This communication is strictly intended for individuals residing in the state(s) of CA. No offers may be made or accepted from any resident outside the specific states referenced.

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