Understanding Today’s Financial Environment
Welcome to Financial Advocates Investment Management - Northern California.
With more than 50 years of combined financial services, experience our firm specializes in providing comprehensive retirement plan consulting, executive benefits and private wealth management to clients throughout the United States.
As investment advisor representatives we strive to provide high-level Retirement Plan Consulting & Wealth Management. We help our Plan Sponsors and individual investors work towards improving their potential investment opportunities and ultimately towards the goal of financial security.
Our resources and experienced Consultants at Financial Advocates Investment Management demonstrate our commitment to providing a premier level of service to our client base.
These services include:
Institutional Retirement Plan Services - By integrating fiduciary assistance, participant education, and investment advice and strategies, we are able to provide customized solutions to our plan sponsors.
Executive Benefits - We help plan sponsors develop a smooth integration of qualified and non-qualified plans to attract, retain, and motivate exceptional executives.
Participant Resources - Access to useful tools to help you plan for your future.
Private Wealth Management - Our Independent fee-based advisors work with corporate executives, affluent individuals and families to help them reach their financial and retirement goals.
We understand that individuals face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether you are investing for retirement, college savings or estate planning, our personalized service focuses your needs, wants, and financial goals and objectives.
Our professionals have years of experience in financial services. 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 (916) 757-6935.
DESIGNATIONS & AWARDS
|Patrick G. Gainer with Financial Advocates Investment Management – Northern California, is proud to be among the first investment advisors nationally to successfully complete the independent certification process of IMCA – The Investment Management Consultants Association. IMCA offers the only financial services credential accredited by the American National Standards Institute: The Certified Investment Management Analyst (CIMA) certification.||Financial Advocates Investment Management – Northern California, is set apart from other advisors by meeting the rigorous professional standards and testing in all areas of retirement plans and retirement planning from the College of Financial Planning. This certification affirms their skill and knowledge to recommend, install, and maintain comprehensive customized retirement plans.|
Patrick G. Gainer with Financial Advocates Investment Management– Northern California, is proud to be among the first investment advisors globally to successfully complete the independent certification from the Centre for Fiduciary Studies. The AIF Designation signifies specialized knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care.
Do You Owe The AMT?
If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
Variable Universal Life Insurance
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
Buying vs. Leasing a Car
Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.
Among stock-market investors there’s long been a debate between those who favor value and those who favor growth.
Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.
Knowing how insurance deductibles work can help you save money and give you peace of mind.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
Don’t overlook the need for renter’s insurance if you rent your home.
This checklist can give you a quick snapshot of how prepared you are.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator may help you estimate how long funds may last given regular withdrawals.
Estimate how long your retirement savings may last using various monthly cash flow rates.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
How federal estate taxes work, plus estate management documents and tactics.
There are some key concepts to understand when investing for retirement
There are some smart strategies that may help you pursue your investment objectives
There are a number of ways to withdraw money from a qualified retirement plan.
A presentation about managing money: using it, saving it, and even getting credit.
Investment tools and strategies that can enable you to pursue your retirement goals.
Here are five facts about Social Security that might surprise you.
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
What does your home really cost?
Understanding the cycle of investing may help you avoid easy pitfalls.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
What if instead of buying that vacation home, you invested the money?