Individual Services

Money Doesn’t Come Without Guidence ...

29 Years of Quality
Service in Individual Services

Empower Your Financial Journey with Tailored Expertise

Take control of your financial future with our personalized solutions. We offer an extensive range of financial services designed to meet your unique needs and aspirations. Whether you’re planning for a secure retirement, saving for a major life milestone, or seeking to grow your wealth, we have the tools, knowledge, and experience to guide you on your journey.

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Financial Planning

Together, we will create a financial plan with the right strategies and investments that fit your life goals and objectives. A roadmap specifically and uniquely designed for you.
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Retirement Planning

Our years experience have prepared us to guide you through your life transitions.

When you use our retirement planning services, you benefit from our in-depth knowledge and years of retirement planning experience.
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Wealth & Investment Management

We select investments suitable for your risk tolerance create portfolios and strategies that are tailored to your needs and goals.

TAX-SMART Cost-Efficient, High-Value Financial Strategies are used to minimize your tax exposure and maximize your performance.
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Insurance & Annuities

No financial plan or planning is complete without giving proper considerations to risk management. Risk management evaluates the possibility of loss of income and assets due to unforeseen circumstances, such as extended illness, disability and death.

  • Life Insurance
  • Disability Insurance
  • Long-Term-Care
  • Annuities

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Estate & Trust Planning

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they’re carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you
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Tax Services

Put our expertise to work for you! We specialize in preparing tax returns, identifying eligible deductions and credits to minimize any tax lability and maximize your tax refunds.

  • Tax Preparation
  • Tax Planning
  • Tax Relief & Resolution
  • Estate & Trust Tax Services

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Check the background of your financial professional on FINRA's BrokerCheck.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

Securities offered through Cetera Financial Specialists LLC (doing insurance business in CA as CFGFS Insurance Agency), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera entities are under separate ownership from any other named entity. 

This site is published for residents of the United States only. Registered Representatives of Cetera Financial Specialists LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site,visit the Cetera Financial Specialists LLC site at

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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