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17 Aspen Way, Watsonville, CA 95076

(831) 722-3625
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Our Services

Client Centered Financial Planning

Client Centered

Our clients come to us with a wide range of financial planning needs, from saving for their first home to preparing for retirement. As we create a personalized financial plan, we guide them through a structured process, building confidence in their decisions. Once we've identified your goals, we will develop tailored strategies to match your vision and objectives. Our comprehensive financial plan includes the following products and services:

Financial Planning Process Diagram showing various financial elements flowing into comprehensive planning
Retirement Planning

Retirement Planning

Being prepared for retirement is essential. We can help you prepare for and through retirement. Our approach to successful retirement planning consists of the following:

  • Estimate future income needs and project desired income at retirement
  • Discover and project future income sources
  • Calculate the necessary additional contributions or assets needed
  • Discover the most tax-efficient use of assets
  • Designate the purpose of available assets

 

Wealth Management

Wealth Management

Investing should be simple—buy low and sell high—but most of us struggle to follow that basic advice. Principles and strategies can help you build an investment portfolio that aligns with your risk tolerance, time horizon, and objectives. Understanding these principles and strategies can help investors avoid pitfalls that could hinder their progress.

Tax Efficiency Planning

Tax Efficiency Planning

TAX SEASON IS 365 DAYS A YEAR

With a bit of planning, we can help you maximize the tax efficiency of your portfolio and help reduce the effect of taxes on your investments. Our approach to tax efficiency planning consists of:

  • 33-point review of investment/asset impact on taxes
  • Projecting future investment/asset and retirement distribution impact on taxes
  • Reviewing and recommending the beneficial use of qualified investment plans
  • Tax impact on government benefits


**Osaic Wealth Inc. and its representatives do not offer tax advice.**

Estate Planning & Life Transitions

Estate Planning & Life Transitions

Effective estate management allows you to handle your affairs during your lifetime and determine how your wealth is distributed after death. A comprehensive estate plan can specify your healthcare wishes and ensure they are respected, even if you're unable to communicate. It can also designate someone to manage your financial matters if you're unable to do so.

Using a financial planner allows you to partner with a professional that can give clarity to an ever-changing financial world, and help you avoid the all too common pitfalls of failing to diversity adequately, investing without a plan, making emotional decisions, and failing to review your existing portfolio. At Jacob Young Financial, my team and I will bring your financial pieces together and create a personalized plan that anticipates your needs so that you can feel confident in your financial future.

We look at your current financial picture first; then we discuss your needs and goals; next we prepare a plan that fits the needs and goals we have outlined. Finally, we match investments to balance the plan that has been created. All of this is done while coordinating the other parts of your financial life (taxes, income plan, estate plan, etc.).

We serve many different types of clients, but our knowledge and investment strategies best serve individuals, families, and business owners with significant assets or who are currently in a high tax bracket.

We offer a detailed list of the services we provide in our new client packet. After your needs are determined, we will review these services to decide together which of them will best serve your needs.

Our initial consultation is free of charge. After that, we are paid in one of three ways: fee for advice (flat or hourly fee for advice), fee-based (a percentage of assets under management), or commission (compensation paid directly to us by the investments chosen). Our relationship may include only one of the above options or could potentially include all three, depending on the plan we create for you.

Jacob Young Financial is a very knowledgeable team of specialists. Chances are you will have the opportunity to work with each of us at some point in our partnership. Rest assured, that whomever you are working with, they will be the best for the task at hand.