With most things in life, it’s nice to be ahead of schedule. However, last week The New York Times noted that in 2010 the social security system will pay out more benefits than it receives. While we all knew this day would come we, unfortunately, didn’t expect it to arrive six years ahead of schedule.

The facts are we’ve seen a dramatic shift in the burden of accumulating for one’s retirement. Individuals are responsible for accumulating enough wealth to support their retirement. And the good news/bad news is that we are experiencing a significant change in life expectancy. We get to enjoy life longer but we will probably work longer and have a considerably longer retirement than our parents. We also face uncertain health care costs that can drain portions of our retirement savings.

Here’s the good news:

  • Studies show that doing planning for these financial matters changes actions (if we don’t know where we are heading, the likelihood of getting there is slim). Once we understand how much will be needed at retirement and what choices available (and that we do have choices), we can move into action to change the trajectory of accumulation and produce satisfactory results.

At Opes Advisors, we regularly work with our clients to help them understand the interdependence of their Stocks, Bonds, Real Estate, and Real Estate Financing and to make effective financial decisions. Managing our clients investments and liabilities through the conflicting tradeoffs of these four components is our unique expertise. This is especially relevant in the Bay Area where real estate is one of the most important assets in our clients' portfolios.

Every financial decision matters. Please contact me for help in making informed and strategic financial and/or mortgage decisions.

Andy Block - Mortgage Advisor & Financial Advisor
Opes Advisors
Email Me
Direct: 650.931.0605
Fax: 650.931.0601

License #01096311
400 S. El Camino Real
Suite 250
San Mateo, CA 94402
Fax 650.931.0601

Opes Advisors is licensed as a registered investment advisor with the Securities and Exchange Commission (SEC) and is licensed as a Residential Mortgage Lender by the CA Dept of Real Estate.

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