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.
Women and Retirement
Women must be ready to spend, on average, more years in retirement than men.
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.
Variable Universal Life Insurance
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
Here's one strategy that combines two different annuities to generate income and rebuild principal.
90% of small businesses in the U.S. don't protect their data from cyber attacks. Is your business at risk?
Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.
Do you have an estate strategy? You should.
Five phases to changing unhealthy behaviors.
Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
This calculator can help determine whether it makes sense to refinance your mortgage.
Estimate how much you have the potential to earn during your working years.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Using smart management to get more of what you want and free up assets to invest.
How federal estate taxes work, plus estate management documents and tactics.
A presentation about managing money: using it, saving it, and even getting credit.
There are a number of ways to withdraw money from a qualified retirement plan.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Learn more about taxes, tax-favored investing, and tax strategies.
Have you found yourself suddenly single? Here are 3 steps to take right now.
Making the most of surprises is a great reason to work with us.
What does your home really cost?
There are a few things to consider when buying or leasing your next vehicle.
What is your plan for health care during retirement?
It's easy to let investments accumulate like old receipts in a junk drawer.