Understanding Today’s Financial Environment
Welcome, I’m Karl Kim, a Certified Financial Planner (CFP) and Certified in Long-Term Care (CLTC), in La Mirada, CA. We understand that individuals face unique challenges as they prepare for retirement. As an independent financial advisor, I am able to tailor a retirement plan that is best for you using all of the products and services that a large national firm typically limits.
As the author of the book Don't Go Broke Paying The Nursing Home: How Californians Can Protect Their Homes, Cash, and Retirement Accounts, we have a unique and specialized knowledge of protecting your assets from the costs of a health care crisis in retirement. Having helped individuals to qualify for Medi-Cal to help pay for nursing home costs for over 20 years, we are unique among financial advisors. We can help take the mystery out of preparing for today and tomorrow.
We can help you address your needs of today and for many years to come. We look forward to working with you through all stages of your life, please call (800) 414-6722 or (714) 994-0599.
The Financial Literacy Crisis
Many Americans are operating their personal finances with only the barest minimum of knowledge.
Insurance Needs Assessment: When You're Newly Married
Marriage changes everything, including your insurance needs.
Variable Universal Life Insurance
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
Do you have an estate strategy? You should.
Gaining a better understanding of municipal bonds makes more sense than ever.
Protect yourself against the damage that your homeowners policy doesn’t cover.
Making a career move requires tough decisions, not the least of which is what to do with the funds in your retirement plan.
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
Few contemplate the complex journey that brought their coffee from farm to kitchen table.
This calculator will help determine whether you should invest funds or pay down debt.
Estimate how much income may be needed at retirement to maintain your standard of living.
Determine your potential long-term care needs and how long your current assets might last.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
This calculator may help you estimate how long funds may last given regular withdrawals.
Using smart management to get more of what you want and free up assets to invest.
There are some key concepts to understand when investing for retirement
The chances of needing long-term care, its cost, and strategies for covering that cost.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
Investment tools and strategies that can enable you to pursue your retirement goals.
Understanding the cycle of investing may help you avoid easy pitfalls.
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Agent Jane Bond is on the case, uncovering the mystery of bond laddering.
Are you ready for retirement? Here are five words you should consider.
When should you take your Social Security benefit?
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate