A Santa Clara financial advisor is a client-centered professional who offers you a wealth of knowledge about personal finance. Whether you're interested in investment, educational savings strategies or retirement planning, you'll find a California advisor with specialized training in these areas. Use the online resources at your fingertips to search this website for a financial expert who can help you achieve your objectives.
Living in the fast-paced, competitive environment of Santa Clara, CA puts you on the cutting edge of research and development. Santa Clara has been involved with all of the major technological advances in Silicon Valley since the beginning. A Santa Clara financial advisor has the expertise to help you keep up with these changes and maximize your income in this rapidly expanding environment.
If buying a home, preparing for parenthood and sending your children to college are among your life goals, talk with a Santa Clara advisor about how you can support these dreams financially. The high cost of living in Silicon Valley has many young families wondering if they can afford the rising costs of university tuition or set aside enough money to make a down payment on a house in Santa Clara. Ask a Santa Clara California financial advisor about educational savings plans and tax incentives for first-time home buyers in California.
As a resident of the San Francisco Bay Area, you probably know at least one person who's suffered serious financial losses due to earthquake or fire damage. Emergency and disaster planning are among the specialties of a Santa Clara financial advisor. Securing adequate homeowners insurance is one of the most effective ways to protect your property. If your current policy doesn't cover floods or earthquakes, talk with a CA insurance advisor about purchasing specialized protection for these contingencies.
Investing in an adequate life insurance policy is another key ingredient of your emergency preparedness plan. If you have life coverage through your employer, review your contract with your Santa Clara financial advisor. Your coverage should be sufficient to replace your income plus any benefits that your family receives through your employer. Funeral and burial costs, estate administration fees and unpaid medical bills left at the time of your death should also be covered.
To cover minor emergencies and avoid using high-interest credit cards, open a savings account that's reserved for unexpected expenses. Savings accounts are liquid assets, which means you can access the money easily if the need should arise. Work with your Santa Clara financial advisor to develop strategies for saving for life's smaller crises. Having funds set aside for unanticipated auto or plumbing repairs can save you a lot of money in credit-card interest.
If you haven't written a will, completed an advance directive or selected a power of attorney, sit down with your Santa Clara financial advisor to discuss these sensitive topics. Preparing for your death is never a pleasant experience, especially when you're a healthy young adult. However, in order to provide for your family's security and ensure that your property is distributed according to your wishes, it's crucial to invest some time in these areas. A professional with expertise in estate planning can make these tasks easier.
Retiring in the Golden State is more costly than it used to be. With the costs of living increasing every year, many retirees in Santa Clara find themselves going back to work part-time. Unfortunately, some of these seniors are working to make ends meet rather than to fulfill personal goals or keep up their social contacts. By working closely with a financial advisor, you can avoid having to extend your career out of necessity.
A professional retirement financial advisor can project your living expenses as a retiree. Your advisor can then analyze the resources you'll have as a senior citizen -- Social Security payments, a pension, personal savings and investments -- to see if you're on track with your goals. If distributions from your 401k, IRA or Roth IRA won't cover your day-to-day needs in Santa Clara, your Santa Clara financial advisor can help you revise your strategy for retiring within your desired time frame.
Financial planning doesn't stop when you retire. Throughout your life, you'll continue to have goals, which may change over time. You may decide to continue your career into your 60s, 70s or beyond because of the personal gratification it brings. You may also choose to relocate to a more affordable area, spend time traveling or go back to school to further your education. It's never too early -- or too late -- to consult a Santa Clara financial advisor about how you can improve your current standard of living and secure a more prosperous future.
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Edelman Financial Engines, LLC951 Mariners Island Blvd
San Mateo, CA 94404
Edelman Financial Engines, LLC2175 North California Boulevard
Walnut Creek, CA 94596