To manage your long term goals, you need a blueprint for success. Placer Summit Finanical Group can help you put a plan together to work towards reaching your objectives.
We offer comprehensive solutions and financial services. From managing your wealth to planning your family’s future, Placer Summit Financial Group is your partner for life’s journey.
Our company focuses on what matters most to you and your family. Placer Summit clients address their short and long term goals through patience, discipline and the implementation of sound strategies.
Whether you are just starting to plan for your life's journey or have already started down your path, Placer Summit can help you strive for what is important to you.
Contact us for a complimentary initial consultation today.
Growing your wealth requires determination and foresight. Whether you are just starting or are already saving for retirement, the team at Placer Summit can help you put a plan in place to save and invest for your future.
You’ve worked hard to accumulate a nest egg to draw a sustainable income from in your retirement. At Placer Summit we implement spending plans with the goal that your money lasts throughout your lifetime incorporating your income, resources, and priorities.
Preserving wealth through generations is a priority for many families. After you first take care of yourself, you may want to take care of others that you care about. Placer Summit will help you put together your family’s long term wealth plan.
Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. A plan that considers the use of life or long term care insurance to help transfer the risks of loss may be appropriate depending on your needs.
With defined benefit pension plans becoming obsolete and Social Security benefits potentially changing, it is up to most Americans to plan for themselves for how to address and receive income after they decide to change their employment status. If you are not on track to retire when and how you want to, you will either have to delay when you retire, save and invest more before you can stop working, or change your spending goals for retirement.
Whether you are just starting to save, have been saving for some time, or have already retired, Placer Summit’s professionals can help you design a saving and investment strategy to pursue your retirement.
You’ve worked hard and saved for your retirement. Now that you are retired you need to live off of your savings and the benefits programs that may be available to you.
At Placer Summit we can help you plan for retirement income taking your Social Security benefits, investments, risk tolerance, savings, pensions, annuities, real estate holdings, and other income sources into consideration.
Transferring wealth between generations is not just about designating beneficiaries on a form, preparing a simple will or trust, or looking for ways to manage taxes. Imparting your values regarding financial matters on your grandchildren or children may be important to you. You may also need a plan that helps a grandchild or child pay for education or fulfills your family’s philanthropic goals.
At Placer Summit we strive to help clients plan for what matters to them.
Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. A plan that considers the use of life insurance or some form of long term care insurance to help transfer the risks of loss to an insurance company may be appropriate depending on your needs.
Placer Summit’s professionals can help you identify and analyze various risk factors, and make recommendations to provide you with the confidence you seek.
Placer Summit will help you pursue your financial goals. Click on the icons to discover how Placer Summit can help you at each phase of your journey.
You have a choice to make during your financial journey; either take that journey on your own or enter into a relationship with an advisor to help you along the way. If you take your journey on your own, and are “self directed”, that means you should have the experience, discipline, interest time, knowledge, and skill in all matters that affect your or your family’s finances.
Congratulations on your first job and paycheck! Is it tempting to buy a room full of electronic gadgets and eat out nightly at your favorite taqueria? Resist that urge and reward yourself with a couple of things, but then follow a few basic steps to get yourself started off on the right foot financially.
Starting to save earlier rather than later can make all the difference in when you retire and the amount of resources you have to enjoy in your retirement. Much of that is due the discipline of making ongoing contributions and compounding interest.
Taking on some debt may or may not be a good thing. First the potentially good use of debt may be a fixed-rate home mortgage or auto loan with payment amounts that you can afford. Taking out a variable rate home mortgage could be a horrible mistake if interest rates rise so much so your payment becomes unaffordable. Try to avoid variable rate loans for home mortgages because the balance you are going to carry is probably large and will be carried for a long period; you might want to use them only in the form of a line of credit and only for smaller temporary balances.
One of the biggest financial decisions for all of us is whether and how to buy a home. Typically home buyers hope to build equity over a long period of time, possibly so that they have an asset they can use in the future either to buy another home or to convert to income.
Typically one has to have a college education these days to be able to provide for the basics in life. The cost of education is on the rise, so starting a college savings plan early in your child’s or grandchild’s life may make all the difference in your ability to pursue your funding goals.
Insurance is a contract used to help transfer a policy owner’s risk of loss to an insurer. If you own a home, for example, you may want an insurance company to replace your home for you if it is destroyed.
While on your journey you may come to a split in the road or choose a new path. Below are some examples of life changes that Placer Summit could help guide you though.
People that succeed financially are patient when times are tough and are disciplined when times are good. Patient people that succeed financially do something that is very difficult; in the face of some provocation or pain or misfortune, they have the ability to stay the course and abide by the behavioral rules that will help them work toward accomplishing their goals.
Your estate is everything you own. If you do not plan for how you want your estate to be distributed when you pass away, your state of residence has a plan for you in the form of laws that dictate who gets your property, who oversees your children, and who manages your affairs in the event you are incapacitated.
Your Journey Hasn’t Ended; You Are Just Starting a New Path
In the accumulation phase of our lives we work and save as much as we can so that we are able to slow down or stop working altogether and do what we want to do, when we want to do it.