Your future starts today

It`s easy to put off planning for tomorrow.  Something always seems to come first.  Unfortunately, the longer you wait to plan for your future, the harder it will be to attain your goals.

Whether it be retirement, education funding, saving for a home, or saving for your children`s education, you have to make it a priority.  Many people don`t know where to start.  So they wait.  You may very well be confused by the wide array of investment and insurance products available. That`s exactly why we believe you need the assistance of a professional like Gene A. Schnabel.

Begin with a plan
Gene A. Schnabel will assist you in putting together a road map for your future.  After determining your current situation and identifying your goals, he will sort through the bewildering number of alternatives and recommend what is appropriate for you.  Based on your age, time horizon, and risk tolerance, he can recommend investments that suit your particular needs.  You may have made investments or insurance purchases over time without any real idea of how they fit or work with one another.  By working with Gene, he can help bring all of these together, and see how, or if, they fit into your new plan.

Most people don`t have the time or specialization to delve into all the intricacies of investments, insurance, or retirement plans.  Working with a professional like Gene will allow you to concentrate on the things you do best, and spend more time with your family and friends.

You may want to travel or play golf during retirement, buy a second home before you retire, or just retire early.  Whatever the case may be, Gene can develop a plan to help you get there.

Things change over time
As you get older, your priorities may be much different. Even during the best of times, it is hard to know if you are on the way to meeting your financial goals.  Gene will monitor how you are doing, and meet with you regularly in the future to review where you are and if you are on track to meeting the goals that you and Gene have identified.  These periodic ongoing reviews with Gene will help you make sure that your plan is changed as your life changes.

Start now
Start to plan now.  Whether you are young, or older, it is never too late to start planning.  Remember, experts agree that it is not advisable to solely depend on social security for your retirement.  The longer you can invest for your future, the better chance you have of attaining your goals.

A special note if you are retiring soon, or have been laid off due to cutbacks
Many people today are taking early retirement, or have lost their jobs due to cutbacks.  It is especially important to meet with a professional like Gene regarding your company's retirement plan assets.  He can help you determine what your alternatives are, and the course of action that would be most beneficial to you and your family.

In many cases, company 401(k) plans can be transferred to an IRA Rollover account with no tax consequences.  You would then be in control of your retirement assets.  If you wish to take early distribution of your retirement assets prior to age 59 1/2, Gene can discuss the options available to you. 

Gene has worked with a number of individuals from large Bay Area corporations that have either retired or lost their jobs.  He can provide you with the same professional advice that he has offered others over the past 26 years.