Leslie M. Castillo, CFP®

(858) 764-3813 

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Our Services

Services
Independence
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Financial Planning

Our first priority is helping you build a solid financial foundation for the future.  We provide objective and personalized financial planning which we believe is key to long-term financial success.  We are committed to learning about your life's needs, wants and wishes, and we will guide you through all stages of your plan.

Our comprehensive financial plans include:

  • Detailed analysis of your current and projected cash flow needs
  • Recommendations and/or alternative strategies to address each financial goal (i.e. retirement, buying a house, funding college education, travelling the world, etc.)
  • Managing your investment allocations and tax planning strategies
  • Identify risk management strategies
  • Evaluate estate planning concerns amid frequent law changes
  • Implementation and ongoing monitoring of the agreed upon strategies
  • Coordination with your tax and legal advisors
  • Periodic review of your goals and overall financial health

Investment Management

We create custom strategies tailored to your goals.  Whether your investment objective is tax-efficiency, capital appreciation, distribution of income, or preservation of capital, we construct and monitor a strategy designed to address your specific need.  Using a disciplined approach to investment selection, we'll seek out options including stocks, fixed income, municipal bonds, mutual funds, exchange-traded funds (ETFs), and unit investment trusts (UITs) to develop a unique mix in line with your risk tolerance and time horizon.  Our ongoing management of your portfolio allocation supports our commitment to timely responses to your changing needs.

Retirement & College Savings

Retirement planning begins with your first contribution to an IRA or employer plan.  We work with individuals and small business owners to develop a road map for retirement success using tax-efficient vehicles such as 401(k) and 403(b) plans, Traditional and Roth IRAs, SEP Plans, SIMPLE IRAs, and Defined Benefit Pension Plans.

Similarly, saving for educational expenses yields the best results when starting early.  We'll help you find the right program for your future college grads with options including 529 savings plans, Coverdell Education Accounts, UTMA or custodial accounts.

Retirement Income Planning

One of the most common financial concerns today is whether or not you have saved enough to last in retirement.  Sound decisions are vital in pursuing your goals and avoiding costly mistakes.  We'll provide you with the knowledge needed to choose your optimum social security income strategy, decipher any pension income options, and strive to develop a sustainable strategy to utilize your investment portfolios and other retirement assets that allow your purchasing power to keep up with the rising cost of living.

Insurance & Risk Management

We will work to identify any vulnerabilities or unnecessary risks to your long-term objectives and implement strategies to address these exposures. We have a thorough understanding of the various platforms available which include Life Insurance, Annuities, Long-Term Care, and Disability Income Insurance strategies. The critical time to address your risk management needs is before a devastating health event or loss of life.  Our tools allow us to measure the potential consequences of your various exposures and to identify the most appropriate avenues to cover them.