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May 26, 2012 @ 07:09 AM

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Guardrail Financial

"Strategies Providing Confidence"

Welcome to the website of Guardrail Financial and Insurance Services.   Scott Klein,  CERTIFIED FINANCIAL PLANNER™ professional and the firm's founding advisor, has served the Bay Area, and clients nationwide for more than fourteen years, specializing in delivering financial strategies for pre-retirees, retirees, and businesses.   The firm is dedicated to bringing clients a wide-range of financial strategies, spanning from investment and retirement planning, risk and income tax minimization, charitable planning, and solutions to other planning goals.
  
Scott's areas of expertise as a fee-based financial advisor include:
 
• Comprehensive Personal Financial Planning
• Active Asset Management
• Senior Support Services
• “Wealth-Keeping” and Charitable Planning Strategies
•  Corporate Benefits
 
Scott is proud of his strategic partnership with AXA Advisors, through which he is able to impart the care and excellent service his clients deserve.  Being able to call and rely on the counsel of more than 50 attorneys and CPAs available* through AXA Advisor's Advanced Market Group is an invaluable distinction Scott provides through his clients' planning process to manage a variety of risks that could otherwise derail a client's goals.

*AXA Advisors, LLC and its affiliates do not provide legal or tax advice

Newsletters

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

Understanding the Appeal of Mutual Funds for High-Income Households

Mutual fund ownership increases directly with household income. In fact, 81% of households with incomes of $200,000 or more own mutual funds. What is it about mutual funds that attracts affluent investors?

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

More Newsletters →

Calculators

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Lease Payment

How much would your monthly lease payment be?

More Calculators →

Contact Info

Phone: 925/465-5058

scott @guardrailfinancial.com

Local Office | Branch Office