To Speak with One of Our Highly Competent
and Friendly, Elder Planning Specialists 
Please call
(925) 256-0434 or (800) 451-1770.
Your Confidentiality is Assured.

What if You Could.....

• Avoid losses on your investments
• Obtain competitive returns without risk to your principal or interest
• Have investment liquidity
• Protect your assets from being liquidated by nursing home expense without buying nursing home insurance
• Avoid the potential for 70% taxation on retirement accounts
• Protect your IRA from double taxation
• Understand the true benefit of trusts and the best way to protect highly appreciated assets
• Avoid probate

We Can Help You Achieve These and Other Retirement Goals!

Our Singular Focus
At Specialists we have a singular focus: to work with you to help you protect your retirement and assets from unnecessary financial risk, to show you how you can earn competitive rates of return while maintaining liquidity, and to eliminate, reduce and/or defer taxes. And that's just a part of what we do.

Planning is Everything
As each of us enters retirement we begin a new phase in our lives. It is a time when our earning power is reduced and we can no longer afford to take the same risks that we took when we were younger. Why? Because we lack the time to replace our savings and assets if a catastrophe strikes. Let's face it, we live in a very different world than even 10 years ago. During the last 6 years many retirees lost 60%, 70%, and even 80% of their retirement savings as a result of 911, the dot.com bust, corporate scandals like Enron and Worldcom, the impact of the war on terrorism and the war in Iraq. Most of these events could not have been easily predicted, but almost every retired person could have protected their savings so they would not be affected (at all!) Such occurrences will continue to happen. The question is, will your retirement be bullet-proof when it happens again, or will you be the one who suffers the punishing losses?

Protecting Your Savings and Your Legacy. You may have thought that life would suddenly become more simple after retirement. Sadly, most retirees find just the opposite. Too late, many discover that they are backed into a corner because they didn't understand the issues surrounding retirement account taxation, social security taxation, critical illness planning, wills, probate, trusts and a host of other issues, some that can even result in your retirement savings being taxed at a whopping 70%. At Specialists we make sure that you thoroughly understand the issues, and work with you to put a plan in place that will protect your retirement and the assets you may intend to pass onto children, grandchildren, friends or your favorite church, school or charity.

An Expert Opinion. We'll be the first to tell you that it's important to get a second opinion. In fact, it's a role we play with many of our clients. They recognize that they can't afford to make a mistake with their retirement and they want to make sure they get the right answers. The other thing that we'll tell you is don't blindly trust us, check out what we're saying with the experts. That's why you'll find when you meet with us that we'll show you documentation from the industry's leading experts, from the world's leading financial newspapers and periodicals, and from Internal Revenue Service Code itself, so that you know that the recommendations you receive are correct and accurate.