El Monte Financial Advisor

An El Monte financial advisor respects your desire to make your own financial decisions but is always available to give guidance. From the time you start planning for your career and parenthood in this closely knit California community until the day you decide to retire, an advisor can help you make the most of your financial resources. Facing the challenges and obstacles of life in a constantly changing economy is easier with a financial professional at your side.

Once an oasis for travelers in the San Gabriel Valley, El Monte is now a bustling city with a variety of employment options. As soon as you land your first job, seek help from an experienced El Monte financial advisor in starting a savings program, buying a home in El Monte and building an emergency fund. You're never too young to acquire a strong financial knowledge base and begin laying the foundation for a secure future.

Owning a Business in CA

Running your own business can be risky in the unpredictable economic climate of California. If you have a dream of establishing a small company or a private practice in El Monte, talk with an El Monte financial advisor about the steps you need to take to attain your objectives. Local California financial advisors will work with you to construct a realistic time line for your venture, from applying for your El Monte business license to paying taxes on your first year's earnings.

If you work for one of El Monte's local banks, retailers or corporations, you may have established a 401k through your employer. However, if you've decided to become your own boss, an IRA or a Roth IRA gives you the opportunity to set aside a portion of your income for the years ahead. With all the expenses you incur in the early days of your enterprise, the thought of saving money may seem like a distant possibility. Your El Monte financial advisor will help you identify ways to reduce expenses so you can prepare for the days to come.

The Costs of Education in California

A knowledgeable advisor will tell you that financial planning for college should start on the day your children are born. An El Monte financial advisor understands the financial demands that you face as a parent and can help you prioritize the costs of raising your family. As you establish a fund for your children's future and reserve money each month to help them further their goals, you'll teach them prudent habits and show them how to set priorities for saving versus spending.

The costs of university tuition, books, registration fees, medical insurance and housing add up quickly. Student loans may cover a portion of the expenses, but taking on too much debt may put your children at a disadvantage after they graduate. Work with your El Monte financial advisor to add an educational fund to your savings plan as soon as you decide to become a parent.

When your children graduate and secure a job in CA, ask your El Monte financial advisor to counsel them on their options for insurance, tax deductions and individual accounts. Student loans, car payments and rent will also feature in their monthly budget. Goal-oriented young adults may want to meet with an investment advisor to take the first steps toward creating their own portfolio.

Working after Retirement in El Monte

Leaving your employer at the age of 65 may be your ideal, but the circumstances of life can interfere with retirement planning. The loss of a job, a family emergency or unanticipated medical expenses may take a toll on the funds you've accumulated. Even though you're old enough to withdraw from a pension or individual savings account without tax penalties, you and your El Monte financial advisor may decide that it makes more sense to allow your investments to grow while you continue working for a few more years.

Some El Monte retirees eagerly embrace an independent lifestyle, while others decide to return to work because they feel bored at home or crave social contacts. If you elect to go back to work part-time, your advisor can help you find affordable health and disability insurance. With extra income, you may also be able to expand your portfolio and augment your reserves.

To make sure you have the resources to cover your expenses after retiring, ask your El Monte financial advisor to propose strategies to keep up your standard of living. Depending on your health status and family obligations, your advisor may suggest that you sell your home and move into more affordable, senior-oriented housing. The income you invested with your advisor when you were actively working can help you maintain a comfortable, secure lifestyle in your 70s, 80s and beyond.

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Financial Advisors In El Monte

Alan Gelb, CFP
Alan Gelb, CFP
330 N. Brand Blvd.
Suite 1150
Glendale, CA 91203

Mark Higginbotham
Mark Higginbotham
2400 E Katella Ave
Suite 800
Anaheim, CA 92806

Zain Griffith
Zain Griffith
9701 Wilshire Blvd
Suite 1000
Beverly Hills, CA 90212

Josh Fatoullah
Josh Fatoullah
2121 Avenue of the Stars
Suite 2350
Los Angeles, CA 90067

Theodore E.  Saade CFP®, AIF®, CMFC
Theodore E. Saade CFP®, AIF®, CMFC
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Paul Taghibagi, CFP
Paul Taghibagi, CFP
2121 Avenue of the Stars
Suite 1600
Los Angeles, CA 90067

Eric Trapasso
Eric Trapasso
7821 24 Th St
Westminster, CA 92683

Anthony Masterson
Anthony Masterson
12100 Wilsure Blvd.
8th Floor
Los Angeles, CA 90025

Mark Higginbotham
Mark Higginbotham
21515 Hawthorne Blvd
Suite 200
Torrance, CA 90503

Rick Donnelly
Rick Donnelly
17901 Von Karman Ave
Suite 600
Irvine, CA 92614

Simon Reeves
Simon Reeves
30 Enterprise, Suite #190
Aliso Viejo, CA 92656