Financial Planning & Budgeting

We help individuals and families plan for major goals and build a monthly budget they can stick to. Because we're CPAs, every plan accounts for taxes.

Financial planning

We help you plan for retirement, a child's education, a home purchase or sale, or leaving a job. That includes setting goals and timelines, estimating what each will cost, deciding how much to save and which accounts to use (including 401(k), IRA and 529 plans), building cash reserves, paying down debt, and understanding the tax effects of withdrawals, Social Security and required minimum distributions. We start with your income, spending, savings and debts, lay out a plan you can follow, and update it as your life changes.

Budgeting

We review a few months of your spending to see where the money actually goes, then build a monthly budget around your real income, including irregular or self-employment income. We set aside money for taxes, insurance and annual bills, plan an emergency fund and a debt payoff order, and check in after a few months to adjust.

Who it's for

• Self-employed people whose income changes month to month

• Families going through a change, such as a new child, a move, a divorce or retirement

• Anyone who earns well but isn't sure where it all goes

Call (562) 247-5200 to start planning at our Torrance or Long Beach office.