Experience matters: I've served nearly 40 years in a fiduciary capacity, that is- holding the public trust. This means I carefully evaluate risks, uncover shortfalls, needs, and opportunities, locate strong resources, and recommend suitable solutions.
I've been continuously licensed in life & health insurance, safeguarding clients and improving their retirement planning since 1992. Together with my Retirement Income team, we show clients how to assess their current financial risk exposure. Does it match their risk profile? Are they prepared for life’s unexpected events and financial challenges that lie ahead?
In 2001, James earned the respected professional designation CIC (Certified Insurance Counselor), a five year commitment and undertaking. He guided clients to loss-proof their hard-earned portfolios during the worst economic meltdown since the great depression. How? By using safe, tax-advantaged plans fully allowed by the IRS that never put a client’s assets at risk. In short, James safeguarded families from harm while at once growing their retirement funds during the nest-egg-killing recession of 2008-2010.
One result: Far greater income in the retirement years. Another outcome: Both living benefits and the important death benefit for family.
True Story: When families and businesses suffer losses, it is great relief to receive tax-free and tax-advantaged money, as I brought about during the Northridge, CA earthquake, for those who developed critical or chronic illness, and after loss of life or income. We are here to ready you and prevent outliving your savings, even if you're late to the gate or have had serious setbacks.
The Chartered Retirement Planning CounselorSM , or CRPC® program, is a designation program for financial professionals allowing experienced advisors who are focused on retirement planning to define a practical, effective “retirement routes” for their clients.
There is a focus on clients’ pre- and post-retirement needs, including issues related to asset management and estate planning. The CRPC® professional designation program helps Advisors discern and share practical knowledge immediately applicable to this evolving planning niche.
The program now includes a course titled 'Understanding Social Security, Military, and Government Retirement Benefits' providing financial professionals with specialized knowledge to address the retirement planning needs of government and military employees.
