NEED HELP WITH FINANCIAL PLANNING IN ORANGE COUNTY?
Here is a list of Financial Planners and Financial Service Providers in Orange County
that can help you with Your Finances and Retirement Planning:

1) ORANGE COUNTY FINANCIAL SERVICES
WEBSITE: Learn More About MARUCA FINANCIAL SERVICES Email: MICHAEL MARUCA
Call me Today! (949) 858- 5141
"Optimize Your Retirement Savings Process"
Address: 32022 Via Oso Trabuco Canyon, CA 92679
CUSTOMER RATING:
Summary: As a financial planner and financial service profivider, I can offer you a wide range of services, from selecting individual investments to developing a retirement plan. With access to a broad array of company resources - including research analysts. FINANCIAL ADVISOR - Certified by the College for Financial Planning. With my research analysts, economic and market experts -- I can help you make informed investment decisions based on your specific needs. I don't have any product sales quotas therefore I am free to recommend the most suitable products and services for your unique situation. My Services Include: Retirement Planning, 401(k) Rollovers, Estate Planning, Life Insurance, IRA Rollovers, Employee Stock Options, Long-term Care, Bonds, IRAs, Professional Money Management, Trusts & Estate Planning. California Insurance License.

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2) ORANGE COUNTY INSURANCE SERVICES MISSION VIEJO
WEBSITE:Learn More About MICHAEL MARUCA Email: MICHAEL MARUCA
Call me Today! (949) 858- 5141
" Insurance and Financial Services that Fit Right "
Address: 32022 Via Oso Trabuco Canyon, CA 92679
CUSTOMER RATING:
Summary:Group Medical Insurance Specialist - Life Insurance - Health Insurance. An independent firm with access to a multitude of top-rated companies. Being Independent allows them to shop the market to find the best match for their clients' needs. This ability saves their clients' time while enhancing the opportunity to save them money.

Services include: Life insurance, medical (Individual & Group) health insurance, fixed annuities, long term care, disability income, Medicare supplement, and a free status report of existing insurance policies.

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3) CLAYTON FINANCIAL AND TAX - TAX PREPARATION, FILING, IRS ENROLLED AGENT, IRS TAX HELP? AFFORDABLE, IRVINE
WEBSITE:Learn More About RUSSELL FOX, MY BLOG, Email: RUSSEL FOX
Call me Today! (949) 225-7877
" Relax With Clayton Financial And Tax! "
Address: P.O. Box 15744, Irvine, CA 92623
CUSTOMER RATING:
Summary:Tax preparation for businesses and individuals - We prepare tax returns for individuals and business, represent individuals in front of the IRS, and prepare estate tax returns. Tax preparation for businesses and individuals -. We specialize in the small business owner (S Corporations, LLCs, sole proprietorships), investors in rental real estate, and fiduciary (trust) tax returns. We can also handle your out-of-state tax preparation needs and licensed in all 50 states and territories. Russel Fox is an IRS ENROLLED AGENT (EA).

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4) ESTATE PLANNING ORANGE COUNTY, IRVINE -
TRUSTS, PROBATE, ASSET PROTECTION, TAX PLANNING ESTATE PLANNING, AFFORDABLE
LIVING TRUSTS, WILLS, CREATING CORPORATIONS, LLC'S, LIMITED PARTNERSHIPS, AFFORDABLE
WEBSITE:Learn More About TRACY MURPHY, Email: TRACY MURPHY
Call me Today! (949) 916-6020
" Estate Planning with a Caring Heart! "
Address: 9070 Irvine Center Drive, Suite 100 Irvine, CA 92618
CUSTOMER RATING:
Summary: Affordable - Estate Planning, Probate, Wills, Trusts, Asset Protection, Estate Taxes, Guardianship for Children, Living Trusts, Asset Protection, Corporations, LLC, Partnerships, LP, Succession Planning, Working with the Elderly, Elderly Care, Retirement, Special Needs Planning, Financial Planning, Estate Tax Planning.

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5) AYLOR INSURANCE ORANGE COUNTY, LAKE FOREST-
AFFORDABLE - WORKERS COMPENSATION INSURANCE, HEALTH INSURANCE, PROPERTY & CASUALTY INSURANCE, HOMEOWNERS INSURANCE, AUTO INSURANCE, FIRE INSURANCE, BUSINESS INSURANCE, SPECIALTY INSURANCE, COMMERCIAL INSURANCE, CARGO INSURANCE, MARINE INSURANCE, AVIATION INSURANCE and more
WEBSITE:Learn More About ED AYLOR, Email: ED AYLOR
Call me Today! (949) 581-2333
" We Affordibly Insure Where Others Do Not!"
Address: 23832 Rockfield Blvd. Suite 130 Lake Forest CA 92630
CUSTOMER RATING:
Summary: INSURANCE PROPERTY & CASUALTY - Aylor Insurance Agency Inc. - Independent Broker w/nearly 30 years in business experience. Representing over 100 Carriers and products ranging from Common to General Liability, Errors & Omissions. Workers Comp to Home Auto Insurance and Specialty Insurance, for: Aircraft, Classic Cars, Planes, Yachts, Property, Ships, Cargo, Auto, Trucks, Helicopters, Commercial Fleets, Jewelry, Custom Made Machinery, Cranes, High Net Worth Individuals, Medical, Zoos, Amusement Parks, Hotels, Restaurants, Resorts, Machines and more. Other Specialties include: Workers Compensation, Commercial Property, Group Health Care.Types of Insurance we offer: Specialty Insurance, Workers Compensation Insurance, Classic Car Insurance, Luxury Yacht Insurance, Life Insurance, Aviation Insurance, Self Funded Insurance Plans, Split Dollar Insurance, Buy / Sell Funding Insurance, Annuities, IRA's, Bonding Insurance, Business Packages, Cafeteria Plans / Section 125, Hotel Insurance, Directors and Officers Insurance, Air & Ocean Cargo Insurance, Retirement Insurance Plans, 24 Hour Coverage, Boat Insurance, Car Insurance, Key Man Insurance, Flood Insurance, Restaurant Insurance, Crane Insurance, Resort Insurance, Hospital Insurance, Real Estate Insurance, Amusement Parks Insurance, Earthquake Insurance, Group Health Insurance, Vision Insurance, Professional Liability Insurance, Fire Insurance, Credit Insurance, Indemnity Insurance, Machinery Breakdown Insurance, Petting Zoo Insurance, Hull and Machinery Insurance, Umbrella Insurance, Business Insurance, Product Liability Insurance, Custom Machinery Insurance, Truck Insurance, Homeowners Insurance, Jewelry, Art, Property Insurance, Cargo Insurance, Small Business Insurance, Commercial Insurance.

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More listings coming soon!

Many Financial Planners are a full-service financial planning firms.
Investments, taxes, insurance, estate planning: the list of financial concerns and considerations facing you today is seemingly endless. And there are no easy answers. Financial Planners are in the business of helping my clients meet all their financial challenges. They do this by using a total wealth management approach. Each area is important individually, but managing them all collectively is one of the most important considerations in your overall financial success.

THE FIRST STEP in the financial planning process is to help you to think about and write down your personal and financial goals". If you don’t know where you want to go, you will not arrive at your desired destination. By setting your personal and financial goals, you are making decisions ahead of time about where you want to go with your life. Your comprehensive financial plan is the roadmap that guides you towards achieving your personal and financial goals. Think about how your financial plan would be affected by your answers to these questions:

·        When would I like to retire (assuming that money is not a concern)? Is this a realistic goal given my current financial situation? What do I need to do to make this possible?

·        What do I really want to accomplish with my life?

·        How can I balance my time between work and home life? Do I really need to work this much to reach my financial goals?

·        Can I afford to stay home and be with my children? What impact would this have on our ability to reach our financial goals?

ACCUMULATION - CASH FLOW
Like most successful businesses, financially sound individuals and families should have positive cash flow. Cash flow statements indicate whether you are living within your means, and if you have surplus cash that may be invested for future growth. Most problems that people have with debt and bad savings habits are caused by a lack of understanding about their cash flow. Financial Planners help you to gain a better understanding of your cash flow situation.Your cash flow requirements today continue to grow (due to inflation) during your retirement years. If you are currently living beyond your means today, you may be in for a big surprise when your reach your expected retirement age!

TAXATION - TAX PLANNING
As everyone knows, government taxes are usually the largest expense in your budget. Financial Planning offers tax planning, which is far more valuable than tax preparation. Tax preparation is limited to “making the best” out of what has already occurred. Tax planning, on the other hand, involves searching for and taking advantage of legitimate opportunities for tax reduction. Tax planning includes structuring investments using the most tax-efficient mutual funds. Financial Planners believe that tax planning will reduce your tax bite significantly over the long run.

The costs of sending your children to private school and college continue to increase more rapidly than the rate of inflation. Financial Planning works with you to coordinate your savings for your children’s education and saving for retirement. While both are important, you may need to make some tough decisions regarding how to prioritize your savings dollars. With the passage of the 2001 tax act, Section 529 Education Savings Plans and Coverdell Education Savings Accounts offer you two different ways to reduce taxes while saving for your children’s education. Financial Planning can help you to decide which of these plans meets your needs.

RETIREMENT PLANNING
Like most people, you are probably concerned about whether you will be able to maintain your desired standard of living during retirement. If you have already retired, you want to make sure that you will not run out of money. Financial Planners build customized scenarios that help you to understand what your choices are. The answer to your retirement questions is never just a simple YES or NO. Instead, Financial Planning show you the likely outcome of different scenarios so that you can choose the option that makes the most sense for you. Of course, Financial Planners will recommend that you update your retirement plan on an annual basis to reflect the changes in your financial life and in the markets.

RISK MANAGEMENT - INSURANCE PLANNING
Because of the many risks that may jeopardize your health, income, and wealth, Financial Planning analyzes your current insurance coverage and makes appropriate recommendations. Financial Planners review your need for the following types of insurance—life, health, disability, auto, homeowners, long-term care, and personal liability (umbrella). In some cases, you may have too much insurance in one area, but not enough insurance in another. A Financial Planner will help you determine what risks you can afford to bear, and Financial Planning recommend that you purchase insurance protection for the risks that you cannot self-insure. As a fee-only financial advisor, a Financial Planner should not sell any type of insurance products, which allows us to always give you unbiased advice.

ESTATE PLANNING
Since most people have no idea when they might die, estate planning should be a high priority for those who do not have a current estate plan. There is a widely believed misconception that estate planning is for the wealthy. In fact, it’s not! Estate Planning involves a lot more than setting up a common will to dispose of your assets upon death. One of the most important functions of a will is to designate guardians and backup guardians for minor children. In addition to wills, estate planning involves creating a health care directive (or living will) and durable power of attorney for each spouse. A good estate plan will help you to accumulate wealth, minimize estate tax, and provide a legacy to those whom you care about most. Our specialty trained estate attorney can help you discuss your estate planning desires and make sure that they fit into your financial plan.

INVESTMENT PLANNING
Financial Planning begins your investment evaluation by reviewing basic investment theory with you. Our unique investment philosophy is firmly rooted in the conviction that markets are efficient. Financial Planners help you to understand why it is important to build globally diversified portfolios using passively managed funds as building blocks. Financial Planning reviews your current investment portfolio to make sure that it provides you with the best probability of achieving your short and long-term financial goals. Part of this review process involves analyzing how your assets are currently allocated across the various asset classes. A Financial Planner helps you to understand how diversified your current portfolio is. Then, a financial plans helps you to establish your investment objectives, investment time horizon, and risk tolerance. Finanancial Planners use this information to help you develop a written Investment Policy Statement, which clearly shows how your money should be reallocated. Finally, Financial Planners make specific recommendations about what changes you need to make in your portfolio. Financial Planning also offer asset management services for high net worth clients.

BUSINESS PLANNING - BUSINESS SUCCESSION PLANNING
Business succession planning seeks to manage these issues, setting up a smooth transition between you and the future owners of your business. With family businesses, succession planning can be especially complicated because of the relationships and emotions involved - and because most people are not that comfortable discussing topics such as aging, death, and their financial affairs. Perhaps this is why more than 70 percent of family-owned businesses do not survive the transition from founder to second generation. Financial Planning works with members of your family to address their concerns and explain the objectives of your business planning. It's the added value you receive from working with professionals who understand and appreciate the family dynamics and provide the personalized attention to turn apprehension into informed confidence.

YOUR GOAL TO FINANCIAL FREEDOM
Financial Planning will provide you with a plan to guide you through the maze at your proper speed and mode of transportation. Many people find dealing with their finances to be too complicated and frustrating. Many spend more time planning their family vacation than preparing for financial freedom. Helping people like you find new opportunities and practical ways to change their lives and achieve financial freedom is precisely what Financial Planners do. You can start now. "Click Here"

FINANCIAL PLANNING PROVIDES:
SOLUTIONS AND THE TOOLS TO HELP GUIDE YOU SAFELY DOWN LIFE'S PATHS