Broker Check

Patrick G. Gainer

CIMA®, AIF® , CRPS® 

Michael K. Naki 

Estate Management 101 Rightsizing for Retirement

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 ManagementNorthern 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. 

 

Helpful Content

The ABCs of Zero Coupon Bonds

The ABCs of Zero Coupon Bonds

Understanding some basic concepts may help you assess whether zero-coupon bonds have a place in your portfolio.

Critical Estate Documents

Critical Estate Documents

Sound estate management includes creating financial and healthcare documents. Here's an inside look.

Is a Variable Annuity Right for Me?

Is a Variable Annuity Right for Me?

Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right

 

Healthcare Costs in Retirement

Without a solid approach, health care expenses may add up quickly and potentially alter your spending.

The Anatomy of a Supplemental Health Plan

Here’s a guide to explain all the parts of Medicare.

Social Security Benefits: How Much Will I Receive

Calculating your potential Social Security benefit is a three-step process.

A Look at Diversification

Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.

Weighing the Benefits of Prepaid Debit Cards

It's important to understand the pros and cons when considering a prepaid debit card.

You Would Rather Be...

Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance.

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What Is My Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

Contributing to an IRA?

Determine if you are eligible to contribute to a traditional or Roth IRA.

Impact of Taxes and Inflation

Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.

Saving for College

This calculator can help you estimate how much you should be saving for college.

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

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Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

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Surprises

Making the most of surprises is a great reason to work with us.

Estate Management 101

A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate

Once Upon a Goal

Do you know how to set up your financial goals for success? This knight does.

What to Do When You Lose Your Wallet

Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.

The Richest Man in Babylon

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

Jane Bond: Infiltrating the Market

Agent Jane Bond is on the case, cracking the code on bonds.

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