Gebhart & Associates, Inc. usually works with one of four types of clients.
* First would be the affluent high net worth Individuals, generally retired, or at least very close to it, who have worked hard to accumulate significant wealth and want to protect it.
* Second, would be successful professionals, including doctors, corporate executives, judges and attorneys.
* Third would be the small business owner. We help them both individually and also with their corporate needs, retirement plans and 401ks.
* And fourth, a growing segment, and a very rewarding part of our business, are women investors, including both widows and divorcees.
So as you can see our clients tend to come from a wide variety of backgrounds, but they have a few things in common. They are successful, they are very much entrepreneurial and they have accumulated a fair amount of wealth that they want to take care of
Sunday, December 7, 2008
Why Gebhart?
Retirement Planning Workshops
Gebhart & Associates, Inc. conducts Retirement Planning workshops in some of the largest corporations in San Diego County. We do have letters of reference from those corporations. The workshops are educational and generic. We help their employees plan for their retirement and to transition into retirement with ease and success. We also conduct topic specific workshops at these corporations on their specific pension plans, asset allocation in their 401k's, just to name a few.
Providing Complete Financial Services in One Location
In this highly sophisticated and rapidly changing financial environment, it is critical that individuals and businesses protect and enhance their current financial resources while also preparing for their future security. This requires careful planning and prudent management of one's financial assets.
Unfortunately, due to the complexity of today’s financial world, the day and age of the single advisor who can provide all necessary financial services has passed. No one type of professional can now adequately, handle such diverse financial needs as income taxes, investments, estate and retirement planning and risk management.
At the time of its formation, Gebhart & Associates, Inc. realized this and determined that it would assemble a unique professional staff that could truly offer complete financial services to both individuals and businesses "under one roof." The firm achieved that objective and its staff now includes Financial Planners, Registered Investment Advisors, and insurance professionals.
Our firm prides itself on providing prompt, personal and highly professional services. Gebhart & Associates, Inc. is committed to meeting its clients' financial needs now and in the future.
Experience
There's just no substitute for experience. It's a process you just can't shortcut, especially when you understand the unpredictability and volatility of the financial world and the speed at which it changes today. My clients can't afford the luxury of making that kind of mistake.
I've been at it since 1981, and I guess what I bring to my clients is the knowledge and the experience that can only come from over 25 years in this business through the good, the bad, the ups and downs. That peace of mine is so important. Everyone understands the value of good advice, but it's equally important to avoid bad advice. Bad advice can set you back as much as good advice can put you ahead.
Small Enough to Know You and Large Enough to Serve You
We are a Boutique Investment and Retirement Planning Firm. We do comprehensive Retirement plans custom made for our clients. We believe it is important to have an accurate roadmap of our client’s goals, and to review them once or twice a year, readjust the plan as time goes along. We review risk management issues, diversify investments in a tax-advantaged way, tax planning, and tax-advantaged estate planning. It is very important to both of us that are clients retirement years are in fact their golden years.
A Good Financial Plan
A good financial plan is similar to a check up that can help diagnose your financial health. Financial planning initially may seem overwhelming when all facets of a good financial plan are considered. However, if a step by step approach is taken, the pieces come together to form a complete picture.
But before we can look at the complete picture, we need to examine the individual components first. Here are some questions to think about...
For Example:
* How much am I worth today? (That's your Current profile)
* Am I minimizing my taxes? (That's Tax planning)
* How much do I need to save to send my kids to college? (That's College planning)
* How do I want to live during retirement and will I run out of money? (Retirement planning)
* Will my assets pass to my beneficiaries according to my wishes and in an efficient manner? (This is Estate planning)
* If I were to die unexpectedly, could my surviving family afford to maintain their current lifestyle? (That's Survivor protection)
* Do I have adequate disability coverage to ensure my current lifestyle if I or my spouse were to become disabled? (Income protection)
* Is my current investment strategy in line with all of my goals and objectives? (Investment planning).
This is why they call it a comprehensive financial plan and this is what we specialize in doing for our clients, in other words, tying all the loose ends together.
Gebhart & Associates, Inc. conducts Retirement Planning workshops in some of the largest corporations in San Diego County. We do have letters of reference from those corporations. The workshops are educational and generic. We help their employees plan for their retirement and to transition into retirement with ease and success. We also conduct topic specific workshops at these corporations on their specific pension plans, asset allocation in their 401k's, just to name a few.
Providing Complete Financial Services in One Location
In this highly sophisticated and rapidly changing financial environment, it is critical that individuals and businesses protect and enhance their current financial resources while also preparing for their future security. This requires careful planning and prudent management of one's financial assets.
Unfortunately, due to the complexity of today’s financial world, the day and age of the single advisor who can provide all necessary financial services has passed. No one type of professional can now adequately, handle such diverse financial needs as income taxes, investments, estate and retirement planning and risk management.
At the time of its formation, Gebhart & Associates, Inc. realized this and determined that it would assemble a unique professional staff that could truly offer complete financial services to both individuals and businesses "under one roof." The firm achieved that objective and its staff now includes Financial Planners, Registered Investment Advisors, and insurance professionals.
Our firm prides itself on providing prompt, personal and highly professional services. Gebhart & Associates, Inc. is committed to meeting its clients' financial needs now and in the future.
Experience
There's just no substitute for experience. It's a process you just can't shortcut, especially when you understand the unpredictability and volatility of the financial world and the speed at which it changes today. My clients can't afford the luxury of making that kind of mistake.
I've been at it since 1981, and I guess what I bring to my clients is the knowledge and the experience that can only come from over 25 years in this business through the good, the bad, the ups and downs. That peace of mine is so important. Everyone understands the value of good advice, but it's equally important to avoid bad advice. Bad advice can set you back as much as good advice can put you ahead.
Small Enough to Know You and Large Enough to Serve You
We are a Boutique Investment and Retirement Planning Firm. We do comprehensive Retirement plans custom made for our clients. We believe it is important to have an accurate roadmap of our client’s goals, and to review them once or twice a year, readjust the plan as time goes along. We review risk management issues, diversify investments in a tax-advantaged way, tax planning, and tax-advantaged estate planning. It is very important to both of us that are clients retirement years are in fact their golden years.
A Good Financial Plan
A good financial plan is similar to a check up that can help diagnose your financial health. Financial planning initially may seem overwhelming when all facets of a good financial plan are considered. However, if a step by step approach is taken, the pieces come together to form a complete picture.
But before we can look at the complete picture, we need to examine the individual components first. Here are some questions to think about...
For Example:
* How much am I worth today? (That's your Current profile)
* Am I minimizing my taxes? (That's Tax planning)
* How much do I need to save to send my kids to college? (That's College planning)
* How do I want to live during retirement and will I run out of money? (Retirement planning)
* Will my assets pass to my beneficiaries according to my wishes and in an efficient manner? (This is Estate planning)
* If I were to die unexpectedly, could my surviving family afford to maintain their current lifestyle? (That's Survivor protection)
* Do I have adequate disability coverage to ensure my current lifestyle if I or my spouse were to become disabled? (Income protection)
* Is my current investment strategy in line with all of my goals and objectives? (Investment planning).
This is why they call it a comprehensive financial plan and this is what we specialize in doing for our clients, in other words, tying all the loose ends together.
Retirement Plans & Employee Benefits
Retirement Plans & Employee Benefits
(Including Insurance)
* Determining best suited plans
* Deciding between qualified plans (including 401k) and non-qualified plans
* Designing executive and key employee compensation
* Evaluating adequacy and cost-effectiveness of current plans
* Analyzing Plan Investments
* Conducting personal financial planning seminars for employees
(Including Insurance)
* Determining best suited plans
* Deciding between qualified plans (including 401k) and non-qualified plans
* Designing executive and key employee compensation
* Evaluating adequacy and cost-effectiveness of current plans
* Analyzing Plan Investments
* Conducting personal financial planning seminars for employees
Business/Business Owners
Gebhart & Associates, Inc. provides financial and retirement planning as well as investment counseling services to small businesses, corporations, personal plans, charitable foundations and other commercial and non profit business institutions. The firm works closely with the business owner and the owner's existing business advisors, such as accountants, and pension administrators, to achieve overall financial objectives.
Saturday, December 6, 2008
Gebhart Services
Gebhart & Associates, Inc. offers a wide variety of services to meet the financial objectives of individuals and businesses. The firm works closely with clients to determine their needs and then recommends suitable strategies and actions.
Wealth Manangement
* Retiring with a comfortable standard of living
* IRA Rollovers
* Portfolio analysis and redesigning
Tax Planning
* Maximizing use of tax deductions
* Deferral of taxes
* Income shifting between family members
* Tax reduction through appropriate investments
Investment Analysis and Planning
* Matching investment vehicles with goals and needs
* Evaluating Specific Investments
* Consideration of tax consequences
* Analysis of risk-return trade off
Risk Management
* Maintaining family income in the event of disability or death
* Identification of current or future risk exposure
* Evaluating cost-effectiveness of current coverage
* Long-term nursing care coverage
Estate Planning
* Minimizing probate expenses, delays and publicity
* Reduction or elimination of estate taxes
* Assuring proper management of family assets
* Evaluating proper manner of holding title to property
* Post-death planning and tax work
Other Services
* Tax preparation (through Associate CPA’s)
* Investment and insurance implementation (Gebhart & Associates, Inc, Registered Investment Advisor. Gebhart & Associates, Inc. has no proprietary investment products.
* Wills, trust, and other estate planning documents (Through associates, Gebhart and Associates, Inc. does not render legal advice.)
Business/Business Owners
Gebhart & Associates, Inc. provides financial and retirement planning as well as investment counseling services to small businesses, corporations, personal plans, charitable foundations and other commercial and non profit business institutions. The firm works closely with the business owner and the owner's existing business advisors, such as accountants, and pension administrators, to achieve overall financial objectives.
Retirement Plans & Employee Benefits (Including Insurance)
* Determining best suited plans
* Deciding between qualified plans (including 401k) and non-qualified plans
* Designing executive and key employee compensation
* Evaluating adequacy and cost-effectiveness of current plans
* Analyzing Plan Investments
* Conducting personal financial planning seminars for employees
Retirement Planning Workshops
Gebhart & Associates, Inc. conducts Retirement Planning workshops in some of the largest corporations in San Diego County. We do have letters of reference from those corporations. The workshops are educational and generic. We conduct Financial Strategies for Successful Retirement workshops. It is a 10-hour course conducted over a period of 4 weeks, I evening a week. We help their employees plan for their retirement and to transition into retirement with ease and success. We also conduct topic specific workshops at these corporations on their specific pension plans, asset allocation in their 401k's, just to name a few.
Wealth Manangement
* Retiring with a comfortable standard of living
* IRA Rollovers
* Portfolio analysis and redesigning
Tax Planning
* Maximizing use of tax deductions
* Deferral of taxes
* Income shifting between family members
* Tax reduction through appropriate investments
Investment Analysis and Planning
* Matching investment vehicles with goals and needs
* Evaluating Specific Investments
* Consideration of tax consequences
* Analysis of risk-return trade off
Risk Management
* Maintaining family income in the event of disability or death
* Identification of current or future risk exposure
* Evaluating cost-effectiveness of current coverage
* Long-term nursing care coverage
Estate Planning
* Minimizing probate expenses, delays and publicity
* Reduction or elimination of estate taxes
* Assuring proper management of family assets
* Evaluating proper manner of holding title to property
* Post-death planning and tax work
Other Services
* Tax preparation (through Associate CPA’s)
* Investment and insurance implementation (Gebhart & Associates, Inc, Registered Investment Advisor. Gebhart & Associates, Inc. has no proprietary investment products.
* Wills, trust, and other estate planning documents (Through associates, Gebhart and Associates, Inc. does not render legal advice.)
Business/Business Owners
Gebhart & Associates, Inc. provides financial and retirement planning as well as investment counseling services to small businesses, corporations, personal plans, charitable foundations and other commercial and non profit business institutions. The firm works closely with the business owner and the owner's existing business advisors, such as accountants, and pension administrators, to achieve overall financial objectives.
Retirement Plans & Employee Benefits (Including Insurance)
* Determining best suited plans
* Deciding between qualified plans (including 401k) and non-qualified plans
* Designing executive and key employee compensation
* Evaluating adequacy and cost-effectiveness of current plans
* Analyzing Plan Investments
* Conducting personal financial planning seminars for employees
Retirement Planning Workshops
Gebhart & Associates, Inc. conducts Retirement Planning workshops in some of the largest corporations in San Diego County. We do have letters of reference from those corporations. The workshops are educational and generic. We conduct Financial Strategies for Successful Retirement workshops. It is a 10-hour course conducted over a period of 4 weeks, I evening a week. We help their employees plan for their retirement and to transition into retirement with ease and success. We also conduct topic specific workshops at these corporations on their specific pension plans, asset allocation in their 401k's, just to name a few.
Welcome
Gebhart & Associates, Inc. offers a wide variety of services to meet the financial objectives of individuals and businesses. The firm works closely with clients to determine their needs and then recommends suitable strategies and actions.
As a husband and wife team, AI and Donna Gebhart combine their talents, experience, vision and passion in guiding their clients to and through retirement dreams. Recognizing parallels between professional and personal matters, AI and Donna follow the same principles of integrity and excellence under any circumstances. In their leisure, AI and Donna enjoy looking over the Santa Ynez Valley while riding their horses or gliding in the sky. In business, they look at clients' financial and retirement picture, while carefully analyzing investments and risk management.
For Al and Donna, finding a trail on a wild terrain is much like planning. It's important to assess what path their clients need to achieve financially and then map out a strategy that makes it more likely they will meet those goals.
As a husband and wife team, AI and Donna Gebhart combine their talents, experience, vision and passion in guiding their clients to and through retirement dreams. Recognizing parallels between professional and personal matters, AI and Donna follow the same principles of integrity and excellence under any circumstances. In their leisure, AI and Donna enjoy looking over the Santa Ynez Valley while riding their horses or gliding in the sky. In business, they look at clients' financial and retirement picture, while carefully analyzing investments and risk management.
For Al and Donna, finding a trail on a wild terrain is much like planning. It's important to assess what path their clients need to achieve financially and then map out a strategy that makes it more likely they will meet those goals.
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