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La Habra Financial Planners

La Habra financial planners help you take control of your finances, so that you can have the flexible, self sufficient lifestyle you've dreamed of when you're ready to retire in CA. The cost of living in California has risen in recent years, and many families in La Habra are struggling to keep up with household bills. If saving for retirement, your children's California college savings or your first home seems like a luxury, talk with a La Habra financial planner about how you can reach these goals in our current economic climate.

With access to the internet at home, it's easy to gather information from multiple La Habra financial planners. Look for planners who have a background in the areas of financial planning that interest you. If you want to expand your financial portfolio, compare quotes from investment planners in CA. If you have concerns about taxes, look for a La Habra financial planner who is also a CPA. The skills and expertise of La Habra financial planners cover a wide range of areas in the field of personal money management.

Employer Sponsored Retirement Accounts

The land now occupied by the city of La Habra was a large cattle ranch in the 1800s. In the early 1900s, the city of La Habra was incorporated. Today, La Habra residents enjoy a variety of employment opportunities, from pharmaceutical sales to city government and education. In this thriving Orange County community, California financial planners are instrumental in retirement planning, estate planning, tax preparation, investment and many other aspects of personal finance.

Most employers in La Habra offer a retirement savings plan to their employees. Private employers may offer a 401k plan, a tax deferred retirement account that allows you to contribute a percentage of your salary before taxes to a fund that earns dividends and interest. Over the years, the money you invest in a 401k can grow exponentially, especially if your CA employer matches your contributions up to a certain limit.

Financial planners or other finance professionals recommend that if possible, you contribute at least enough money to your 401k account to qualify for a full matching contribution from your employer. The funds that your employer contributes are essentially free money, in that they are a benefit of employment and unrelated to your work. When you reach retirement age and it's time to collect your distributions, you will be required to pay taxes on the funds from your 401k account.

A 403b is similar in purpose and structure to a 401k plan, but a 403b is issued by a public organization rather than a private company. Charitable organizations, educational institutions and nonprofit health care facilities may offer 403b plans to their employees. As with a 401k plan, funds from a 403b are taxable when you retire and collect distributions. When you plan for retirement with a La Habra financial planner, you will learn strategies for making the most of these employer sponsored retirement funds.

These days, most professionals can anticipate changing jobs during the course of their career, or becoming self employed. If you leave your employer, you may often roll over the funds in your 401k or 403b into another employer sponsored account. Alternatively, you may open an Individual Retirement Arrangement, or IRA, to continue your investment program. With an IRA or a Roth IRA, you may take your retirement fund with you wherever your career may take you.

La Habra Family Saving Strategies

A La Habra financial planner can be especially helpful to families who are having trouble reaching all of their important financial goals. If you and your spouse are trying to save money to buy a house, send one or more children to college, start a business or save for retirement, you may have trouble prioritizing these objectives. A La Habra financial planner can sit down with you to determine which of these goals you can meet within your desired time frame, and which objectives may need to be postponed for a year or two.

Most planners emphasize the importance of continuing to save for retirement, even if you're tempted to channel all of your extra funds into college savings or a down payment for a new home. After your children are grown, you'll still be responsible for meeting your needs as a senior citizen. Without adequate savings, you may end up downsizing your life considerably, or relying on your family for financial support.

La Habra financial planners can evaluate your household budget to identify ways that you could manage your money more effectively in order to maximize your savings. With an Education Savings Plan for your children, a 401k or IRA for yourself and a solid short term savings program, you'll have a good start at meeting your targets. Contact several planners to find a professional who can help you achieve the secure, fulfilling life you deserve.

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Financial Planners in La Habra

Brad Maurer
Brad Maurer
2400 E Katella Ave
Suite 800
Anaheim, CA 92806

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

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

Armen Grigorian / Curtis Hollowell
Armen Grigorian / Curtis Hollowell
23 Corporate Plaza Drive
Suite 150
Newport Beach, CA 92660

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

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

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

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

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

Bill Knoke
Bill Knoke
635 Camino de los Mares, #208
San Clemente, CA 92673

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