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for Your Tax-Free Retirement Vision

Tax-Advantaged Financial Planning is what I do best.

RJ Gustilo is licensed in CA and specializes in diversified low-tax retirement planning and strategies. I use a truly unique financial strategy that allows you to have your savings in one account earning compound market-like returns and at the same time using those “same” dollars to invest elsewhere.

This is a very powerful and little-known strategy that also allows you to borrow money for a huge TAX-FREE retirement income stream. Yes, you can use OPM (Other People’s Money) to propel your retirement savings and I’m one of the few hundred U.S. financial advisors (out of 900,000+) who have access to this program!

Life Changes & Your Policy Should Too!

The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.

Please call us at (949) 799-3461.

I can also assist if you find yourself on the wrong side of the IRS. We're here to help you resolve your tax problems and put an end to the misery that the IRS can put you through.

Thinking of owning your own business?

Opening your own business is exciting and thrilling. It's everything that comes after that dictates whether a small business will make it or not.

FAQs

The investment process is comprised of several steps that enable you to select a portfolio appropriate to your risk tolerance and desired return. The primary steps in this process are:

  • Determine your desired return and risk tolerance
  • Develop an asset allocation plan
  • Select diversified investments within each asset class
  • Monitor your investments

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Nobody invests to lose money. However, investments always entail some degree of risk. Be aware that:
  1. The higher the expected rate of return, the greater the risk. Depending on market developments, you could lose some or all of your initial investment or a greater amount.

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  1. Never give in to high pressure. A high-pressure sales pitch can mean trouble. Be suspicious of anyone who tells you, "Invest quickly or you will miss out on a once in a lifetime opportunity."
  2. Never send money to purchase an investment based simply on a telephone sales pitch.

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Have this list of questions with you the next time you talk to your broker. Write down the answers you get and the action you decide to take. Your notes may come in handy later if there is a dispute or a problem. A good broker will be happy to answer your questions and will be impressed with your seriousness and professionalism.

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Here is a list of potential questions to ask before making a mutual fund investment:
  • How has the fund performed over the long run? Where can I get an independent evaluation of it?
  • What specific risks are associated with it?

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There are no magic formulas for successful investing. It takes a disciplined, reasoned approach, a commitment to follow some basic, solid rules that have proved effective over time, and to stay in it for the long haul.
Here are some specific tips.
  • Don't Let Greed Cloud Your Better Judgment. A disciplined approach, taking into account your investment objectives, will pay dividends in more ways than one. Investors who are constantly chasing the jackpot usually lose in the long run.
  • Don't Rely on Tips. The "hot tip" is the bane of investors. There may be short-term gain in some cases, but in this regard, it's generally wise to follow the maxim, "What goes up must come down."

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Like any other investment, you should match the portfolio with your desired return, risk tolerance and investment time horizon. The higher your desired return and risk tolerance and the longer your time horizon, the greater the portion of your portfolio should be in equity investments such as common stocks. Since IRAs are generally long-term investments, equity investments are generally appropriate for a portion of the account.

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A derivative is an investment instrument whose value is based on underlying assets such as stocks, bonds, commodities, currencies, interest rates and market indexes. Options are one of the most common types of derivatives and are a useful tool for enhancing a portfolio's income and in many cases, reducing risk. Other types of derivatives include futures contracts, forward contracts, and swaps, but these are more appropriate for sophisticated investors.

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Here are the top mistakes that cause investors to lose money unnecessarily.
  • Using a cookie-cutter approach
  • Taking unnecessary risks

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Suppose Mr. N. Vestor invests $100 in an investment that earns 10 percent this year and 10 percent the next year. What is his cumulative return? The answer is 21 percent.

Here's why. N. Vestor's 10 percent gain makes his $100 grow to $110. Next year, he earns another 10 percent, leaving him with $121. His investment has earned a cumulative 21 percent return over two years. His annualized return, however, is 10 percent.

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The rule of 72 is a way of finding out long it will take for your investment to double. Divide an investment's annual return into 72, and you will have the number of years necessary to double your investment.

Example: An investment's annual return is 10 percent. Ten percent divided into 72 is 7.2, so your investment will double in 7.2 year.

If you reinvest all of your gains, including dividends and interest, you will be getting the most from compounding. The percentage you achieve is termed "total return." It includes appreciation, interest and dividends. It is particularly important in examining the past and current performance of mutual funds.

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Yield is the amount of dividends or interest paid annually by an investment. The yield is usually expressed as a percentage of the investment's current price. It does not consider appreciation.

Because certificates of deposit and money-market funds maintain the same value, their total return does not differ much from their yield. But because stocks and bonds fluctuate in price, there can be a large difference between yield and total return.

Investors often take the following shortcut, which often yields misleading results. Instead of looking at total return, they simply compare their year-end portfolio value with the value at the beginning of the year, and attribute the entire growth to investment gains.

The reason this shortcut may be misleading is that any additional investments or withdrawals made during the year are not taken into account.

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