Resources & Education
- Guide to Prudent Investing: To protect your interests and preserve your financial opportunities you need to understand the investment management process. (article)
- Asset Allocation: Every investment decision involves both risk and reward. Learn how an asset allocation strategy can help reduce your risk.
- Investment Policy Statement: Before you build, you need a blueprint. Learn how an Investment Policy Statement can serve as your financial blueprint.
- Retirement Account Maximization: Understand how to maximize your 401k, 403b, or 457 retirement benefits.
- Investment Expenses: Understanding how hidden fees undermine retirement plans (article)
- The Value of An Advisory Relationship: Brochure comparing Brokerage vs Investment Advisory Services
- Understanding Socially Responsible and Values Based Investing
- Retirement Education: 95% of Americans have not saved enough for retirement. Act now, your retirement is approaching.
- How to Save for Retirement: Financial security in retirement takes planning and commitment. You can do it, here's how.
- Retirement Income Education: To retire right you need to know what to do with what you've saved. Do you know your retirement options?
- Healthcare Planning: Healthcare expenses are the #1 cause for personal bankruptcy in America. This video stresses why it's important to plan now for the high cost of healthcare in retirement.
Cash Flow Management & Youth Fundamentals
- War for Your Wallet: There's a war being waged for your wallet. Fight the urge to splurge, spend wisely and win for your financial future.
- Spend Less Than You Earn: Do your kids know the golden rule of personal finance? Use this video to show them that spending less than they earn is their ticket to a successful financial future.
- How To Budget: Learning to budget is essential to any healthy financial life. Show your children the basics of budgeting with this video to help them learn to make every penny count.
- Our First Portfolio Program: Help your children learn smart money management skills today that can last a lifetime. Our First Portfolio program can help you collaborate with your children and get the started the right way.
- Buy Or Lease A Car? What’s the better choice for your kids to get their own car? This video explains the financial advantages between buying or leasing a car when you’re young.
- Credit Cards vs. Debit Cards: You’d be surprised how many of your clients’ kids don’t know the difference between Credit and Debit Cards. This video explains the basics of bankcards and how to use them wisely.
- Wills: A Will can provide a financial roadmap for your family. This video shows what to know when preparing your own Will.
- The Power of a Trust: There are a lot of ways to plan for the future. Trusts can help protect your assets so you can create a lasting legacy for the ones you love the most.
- Trusts: Trusts can manage how you leave assets to your family. This video shows how Trusts can create and preserve your legacy.
- Understanding Living Trusts by Vickie Schumacher (book recommendation)
College Savings & Planning
- 60% of families don't have a college savings strategy. Learn what you need to know to get started.
- This video shows you effective strategies how to pay for the high price of higher education.
- Insurance: Life insurance protects. 70% of those with coverage only have enough to replace 3 1/2 years of income. How protected is your family?
- Taking care of one's aging parents can be emotional and expensive. This video provides a checklist on what to do.
- Managing personal finances can overwhelm many aging seniors. Our eMoney planning platform helps clients monitor their parents’ complete financial picture so they can provide support if necessary.
- Through its network of 33 agencies with numerous offices across the state, the California Association of Area Agencies on Aging (C4A) provides assistance, information, referrals, and support to California’s senior citizens and their families. Its goal is to help keep elderly citizens and adults with disabilities in heir homes and communities, delaying the need for full-time institutionalized care for as long as possible. http://www.c4a.info/
- The California Department of Aging’s Web site—www.aging.ca.gov—contains a list of the location and contact information for the HICAP office in each county. The Health Insurance Counseling and Advocacy Program (HICAP) is run by the state of California’s Department of Aging. Program counselors meet with senior citizens free of charge at any convenient location and provide information and advice on a number of health care topics, including:
- Medi-Cal, California’s Medicaid program for providing health care to needy individuals and families
- Medicare, the federal health insurance program for seniors
- Long-term care facilities and services
- Long-term care insurance and other health insurance coverage
- Financial Focus Blog: Financial articles focused on current events.
- Wall Street Journal
- Investment News
- Business Week
- The Economist
- Media Mediocrity: Contending with information inundation
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There is a surrender charge imposed generally during the first 5 to 7 years that an investor owns a Variable Annuity contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account value will fluctuate with changes to market conditions.
Investors should consider the investment objectives, risks and charges and expenses of the fund carefully before investing. Investing in mutual funds is subject to risk and potential loss of principal. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. The prospectus contains this and other information about the funds. Contact Lewis Chamberlain at 1314 Oregon Street, Redding, CA 96001 United States or call us at 530.243.9888 or contact the fund directly to obtain a prospectus which should be read carefully before investing or sending money.