Through our retirement planning process, we will review your current income situation and show you your potential income in retirement. We’ll work with you to create a sustainable income that will last for your life. We’ll help you understand your social security options and maximize the benefits for your situation. If you have a pension, we will guide you through the options available and help you make the right choice. We’ll help prepare you for other considerations such as a premature death of a spouse, inflation or taxation.

We will work with you to understand your risk tolerance while listening to you and understanding what your financial goals are. By being an Investment Advisor Representative that works through an independent Registered Investment Advisor, we are not tied in with a large “wire house” institution, which means we can offer a universe of funds and equities to create cost-efficient and high-quality portfolios. At Obel Financial Advisors, we invest your funds in an institutional-style investment strategy.

Make a lasting investment in your child or grandchild’s future by providing the transformative gift of a college education through a specialized life insurance strategy. While traditional savings accounts are subject to market volatility and strict withdrawal rules, using a permanent life insurance policy offers a versatile and secure alternative for education funding. By leveraging the cash value accumulation within a policy, you aren’t just preparing for a tuition bill—you are building a multi-purpose financial engine.

Secure a more prosperous and predictable future for yourself or your loved ones by utilizing a tax-efficient, capital-leveraging strategy designed to maximize retirement income. Traditional retirement vehicles like 401(k)s and IRAs are essential, but they often come with “tax time bombs” and market risks that can erode your purchasing power in later years. By integrating cash value life insurance and strategic leveraging into your portfolio, you move beyond simple saving and begin true wealth optimization.

We believe the fastest way to erode away your life’s work is to not have an estate plan in place. An estate plan shelters your assets and provides for your family in the event you are no longer around to provide for them yourself. By working collaboratively with estate planning attorneys, we can help maximize the amount that your loved ones will inherit, help control how the money is to be given, and minimize the taxes that are paid.

We help business owners with business planning especially in the areas of business continuity planning. We partner with business owners helping them in areas of buy sell arrangement, key man and employee benefits.

In todays complex and volatile market and economic environment, managing your assets has never been more challenging. We customize management strategies to suit out client’s goals. Factors that we take into consideration include, our clients time horizon, risk tolerance, investment experience, etc Obel Financial Advisors is a Registered Investment Advisor – RIA, in the state of California. Securities and Investment Services offered through Scottrade Inc.

From experience, a death in a family will usually hurt many other kinds of financial plans. The emotional and financial toll can be far reaching, and we aim to reduce this emotional and financial impact with the use of life insurance. We will help you determine the amount of Life Insurance you and your family needs, the type of life insurance (Indexed, term, universal or variable) that best suits your needs. We will also help you insure your home, auto and business. We help find you the most appropriate Life, Property and Casualty Insurance carier.