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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.

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Disability and Your Finances

Disability and Your Finances

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.

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You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.

Is a SEP-IRA Right for Your Business?

Is a SEP-IRA Right for Your Business?

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How Does Your Credit Score Compare?

Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.

Mutual Funds vs. ETFs

Exchange-traded funds have some things in common with mutual funds, but there are differences, too.

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Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.

Trends in Charitable Giving

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Earnings for All Seasons

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How Much Home Can I Afford?

With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

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Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.

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Determine if you are eligible to contribute to a traditional or Roth IRA.

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Estimate how much income may be needed at retirement to maintain your standard of living.

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

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Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

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The Good Ship IPO

The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.

Exit Strategies of the Rich and Famous

Estate conservation is too important to put off. Do you have a smart exit strategy?

Forecast

The market is as unpredictable as the weather. We’d love to help you prepare.

An Arm and a Leg

A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.

Choosing a Mortgage

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The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

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