Even if you haven’t decided exactly when you’ll be ready to retire, it’s important to start preparing as soon as possible. Read more about different rules that may apply to your retirement benefits. (If you’re eligible, you’ll receive a Retirement Benefits Decision GuidePDF in the mail.) The sooner you enroll, the sooner you start receiving UC contributions and/or service credit. Each session requires individual registration. This presentation will help you understand probate prevention planning your retirement benefits and the steps to retire from UC. These and many other questions should be considered several years prior to retirement in order to ensure a successful retirement. Employers UC offers resources to support you as probate prevention planning you plan your financial future — from your first day of work through retirement. CalSavers is available to California workers whose employers don’t offer a retirement plan, self-employed individuals, and others who want to save extra. CalSavers is California’s retirement savings program for workers who do not have a way to save for retirement at wor
Our team focuses on personalized strategies that align with your goals in addition to keeping you informed about changes in financial regulations and opportunities. While fiduciary advice benefits nearly anyone, there are certain moments in your financial life when working with a fiduciary isn’t just a smart move, it’s essential. What sets the right advisor apart is their ability to understand your unique goals, communication style, and decision-making preferences. For a broader background check, the Financial Industry Regulatory Authority (FINRA) provides a free tool to look up an advisor’s registrations, licenses, and any disciplinary history. Those who’ve worked with a fiduciary through a business exit, inheritance, or major life transition often know which advisors truly deliver long-term value and alignment. Does the firm offer integrated services like financial planning, investment management, and family office support? NAPFA Educati
Whether you’re paying off your student loans or starting a college fund, saving up for your first home or adding to your retirement cushion, we can help. Your retirement benefits are a valuable part of your compensation, so take the time to consider your options carefully. To register, we suggest you first log into the LMS system, and then proceed to the course catalog (see links below) in order to register for each session you wish to attend. You must be registered to receive the Zoom lin
Build loyalty by helping identify the retirement income sweet spot Including sources of guaranteed income in your retirement plan not only helps make your dreams for the future possible but probate prevention planning can also give you the freedom to worry less and enjoy life more. See related work on Guaranteed retirement accounts, Retirement, and Older workers The employer plan would have to be equal to or better than a Guaranteed Retirement Account, with an employer contribution rate of at least 1.5 percent and a total contribution rate of at least 3 percent. Also, the state plans created thus far aren’t portable across states, leaving workers in large parts of the country unprotecte
A nationwide poll conducted in 2022 by Athene in partnership with Kiplinger’s Personal Finance magazine revealed that 75 percent of Americans ages 50 and older want more guaranteed income than they already have or expect to have for retiremen
A fiduciary financial advisor is a wealth professional who manages money on behalf of clients while being legally and ethically bound to act in the client’s best interest above their own compensation or firm’s incentive
But there is a much better chance that attorney-drafted estate planning documents, especially documents drafted by an estate planning attorney, will work better than DIY documents. With a revocable living trust, your estate can avoid probate. Unless you want to rely on California’s distribution probate prevention planning scheme, you will need a Will or a Trust. Click here for more on what California’s intestacy distribution looks like. You’ve heard about "Wills" and "Trusts" but maybe you don’t quite know what they ar
An asset protection trust is not a standalone solution; instead, it works as a component of a broader estate and wealth planning framework. Although APTs may limit creditor access to assets, they do not exempt the grantor or beneficiaries from tax obligations. An independent or institutional trustee is often preferred, as self-trusteed APTs may face greater scrutiny. For individuals involved in closely held businesses or real estate ventures, APTs may help keep personal holdings insulated from liabilities that arise within business entities or partnerships. The choice between them depends on multiple factors, including asset location, risk tolerance, and legal considerations. Each type comes with different legal requirements, costs, and administrative expectation