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40% of U.S. workers have saved
less than $25,000 for retirement.*

*2019 Retirement
Confidence Survey, EBRI

Only 42% of Americans know how
much money to save for retirement.*

*2019 Retirement Confidence Survey, EBRI

43% of retirees left
the workforce earlier
than planned.*

*2019 Retirement
Confidence Survey, EBRI

What a view and what a beautiful place we live -- The San Francisco Bay Area!
 
 

I hope you are all enjoying this pleasant weather we have had. Recently, I went sailing on the San Francisco Bay. While the weather looked really nice, there can be unexpected problems that can arise that requires thoughtful analysis, collaboration with the crew and crucial decision making. My experience made me think about my role to my clients.
 
Personal Financial Planning and Investing for the future is like planning a sailing trip. When you start on your trip, you have no idea how the trip will really go. Neither does the captain. The Bay is one of the most challenging places to sail because of the high wind, strong currents, fog and other ships – pleasure and commercial. You could run into many different types of problems or you could have a smooth sail. Certainly, the captain will try to use his or her experience, technology and the advice of the crew to navigate and work through problems and go for the smoothest sail, but if they’re honest, they can’t promise a problem free trip. Their job is simply to get you to your destination on time and withthe least difficulty while keeping you informed
throughout the trip.
 

As your Personal Financial Consultant, I see myself as the captain/navigator of your ship. My job is to assist you in getting to your family’s financial and investment goals, with the least worry. I can’t promise you no problems, but I can promise that I’ll utilize my experience and expertise to take you on the smoothest trip that I can. And if we do hit problems, I won’t "jump ship" on you. I’ll be your teammate throughout until we get you to your destination.

Have You Charted Your Financial Course Yet?

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck