Services
At Financial Designs, we are committed to safeguarding your wealth and ensuring that it empowers you to achieve your long-term objectives, no matter what life throws your way.
How We Can Help
We believe in personalized financial planning tailored to each client's unique needs and goals. That's why we offer customized financial strategies designed specifically for you.
Webinars
Join Our Next Webinar
How We Can Serve You
Southern California Edison & SoCal Gas Employees
If you’re a Southern California Edison or SoCal Gas employee, Financial Designs has services tailored to meet your specific financial needs. We understand the challenges and opportunities that come with being in the energy industry, and we’re here to help you navigate your finances with confidence. Here are some of the ways we can help:
Retirement Planning
We understand that retirement planning is a top concern for many of our SCE and SoCal Gas clients. With our Financial Designs Retirement Blueprint, we take an in-depth look at how much you’ll need to achieve the retirement lifestyle you desire and make recommendations about how much to contribute, which accounts to open, and how best to maintain tax-efficiency all along the way. Whether you want to maximize your 401(k) contributions or rollover to an IRA, we can help you navigate the process.
Maximizing Employee Benefits
Maximizing your benefits is crucial to your financial success. Our team will help you make strategic decisions about employer matching contributions, health insurance, group life insurance, disability benefits, paid time off, access to HSAs or FSAs, deferred compensation plans, and equity compensation.
Investment Strategies
We understand that everyone has unique financial goals and risk tolerances, so we offer a range of investment strategies to help you achieve your objectives. Our team will work with you to understand your return requirements and risk tolerance, and create a tailored investment portfolio that helps you meet your goals.
Customized Financial Designs Retirement Blueprint
At Financial Designs, we are committed to helping our clients achieve their long-term financial goals. We create customized Financial Designs Blueprints that take into account your unique circumstances, helping you prioritize your financial objectives and develop a plan to achieve them. Whether you are saving for retirement, paying for your child’s education, or building wealth over time, we provide high-quality guidance that helps you make the most of your money and investments while reducing risk in the process.
With Financial Designs, you can feel confident that you are making informed decisions about your finances. Let us help you navigate the complex world of finance so that you can focus on what matters most to you.
FAQ
Retirement planning is top concern for many of our SCE and SoCal Gas clients. We take an in-depth look at how much you’ll need to achieve the retirement lifestyle you desire and make recommendations about how much to contribute, which accounts to open, and how best to maintain tax-efficiency all along the way. Whether you want to contribute to a 401(k) or an IRA, we can help you navigate the process.
Don’t leave money on the table by under-utilizing your SCE or SoCal Gas benefits package. We’ll help you maximize your benefits by making strategic decisions about:
- Employer matching contributions
- Health insurance
- Group life insurance
- Disability benefits
- Paid time off
- Access to HSAs or FSAs
- Deferred compensation plans
- Equity compensation
There is no one-size-fits all answer to investment strategies, that’s why we believe in active investment management tailored to your needs. We’ll thoroughly assess your return requirements and risk tolerance to strategically match you with a portfolio of investments structured to meet your goals.
We help clients achieve their long-term financial goals. By creating a customized Financial Designs Retirement Blueprint that takes into account your unique circumstances, we help you prioritize your financial objectives and develop a plan to achieve them. Whether the goal is to save for retirement, pay for a child’s education, or build wealth over time, our high-quality guidance helps you make the most of your money and investments, while minimizing risk in the process.
FAQ
Claiming Social Security is one of the biggest decisions you’ll face in retirement, so it’s important that it’s based on more than just back-of-the-envelope math or a rule of thumb from the internet. We’ll thoroughly assess your circumstances, including marital status, expected longevity, and current income needs, to develop a custom claiming strategy just for you.
Determining the most effective way to withdraw from your retirement portfolio can be a complex decision, but the Financial Designs team can help you create a withdrawal strategy that maximizes your wealth, minimizes taxes, and ensures that your money lasts as long as possible. With our expertise, you can make informed decisions about your retirement income and feel confident in your financial future.
Pre-retirees and retirees often believe they must make their portfolios ultra-conservative in order to make sure they don’t outlive their retirement funds. The truth is most people require a mix of conservative and growth-oriented investments to create a diversified portfolio. Your unique circumstances, including risk tolerance, other sources of income, and lifestyle needs, will all play a role in how much risk you can take in retirement.
With the right financial guidance, navigating retirement doesn’t have to be overwhelming. At Financial Designs, we are committed to providing a personalized approach that brings clarity and confidence to your financial journey. Our Financial Designs Blueprint is transparent and easy-to-understand with actionable steps you can take to maximize your wealth now and for years to come.
How We Can Serve You
Pre-Retirees & Retirees
At Financial Designs, we understand that retirement planning can be overwhelming, but it doesn’t have to be. Whether you’re approaching retirement or already retired, our team is dedicated to helping you live the retirement of your dreams. Our Financial Designs Blueprint is customized to address all your financial needs and concerns.
When should I claim Social Security benefits?
One of the most critical financial decisions you’ll make in retirement is when to claim your Social Security benefits. We understand that it’s not a one-size-fits-all solution, and our team can work with you to develop a customized plan based on your individual circumstances. We’ll take into account your health, longevity, and other financial goals to create a claiming strategy that maximizes your benefits.
How should I withdraw from my retirement portfolio to maximize my wealth?
Determining how to withdraw funds from your retirement portfolio can be complex, but our team can help you create a withdrawal strategy that optimizes your wealth and reduces tax liabilities. We’ll consider factors such as your investment goals, risk tolerance, and other sources of income to create a personalized blueprint that ensures your money lasts as long as possible.
How much risk can I afford to take with my investments?
Investment risk is a crucial consideration for pre-retirees and retirees. While some may believe that they must make their portfolios ultra-conservative, the truth is that most people require a mix of conservative and growth-oriented investments to create a diversified portfolio. Our team can assess your unique circumstances to determine how much risk you can afford to take. We’ll work with you to create an investment strategy that balances your need for growth with your need for stability, ensuring that your portfolio is tailored to your unique goals and preferences.
How can Financial Designs help me?
At Financial Designs, we’re committed to providing personalized financial guidance that brings clarity and confidence to your retirement journey. Our Financial Designs Retirement Blueprint is transparent and easy-to-understand, with actionable steps you can take to increase your wealth and achieve the retirement of your dreams.
How It Works
Make Navigating Your Financial Journey Smooth & Easy with Financial Designs
Once we have agreed to work together, we will implement the financial planning recommendations. Then, depending on the task, we will carry out the recommendations ourselves, or we may coordinate the process with you and other professionals such as attorneys or CPAs.
Setting Expectations
We begin by explaining our process, fees, and our responsibilities, and what we need from you to create a comprehensive financial plan.
Information Gathering
We'll gather detailed information about your financial situation and personal goals, including your income needs, retirement goals, lifestyle requirements, current assets, risk tolerance, and investment objectives.
Comprehensive Roadmap
We will present a comprehensive Retirement Blueprint based on your income needs, retirement goals, lifestyle requirements, current assets, risk tolerance and investment objectives.
Discuss and Review
We will explain our recommendations clearly and listen to any concerns you may have, revising the plan when necessary.
Evaluation
We'll continually evaluate your financial status, monitoring your progress towards your goals, and revising the blueprint as needed to ensure it stays on track.
Get Started
Don't wait to start planning.
Your ideal financial future is just around the corner. Reach out to us today to learn more about our customized financial strategies designed just for you.
