Disclosures:

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA www.finra.org / SIPC www.sipc.org / Broker Check https://brokercheck.finra.org The LPL Financial Registered Representatives associated with this site may only discuss and/or transact business with residents of the following states: AK,AZ,CA,CO,CT,HI,IA,KS,MN,MS,MT,NC,NM,NV,OH,OR,SC,TX,WA,WI
Copyright © 2016 - All Rights Reserved -  Mountain View Financial    (619) 867- 0668    7863 La Mesa Blvd., Suite 202. La Mesa, CA 91942

Frequently Asked Questions (FAQs)

How are you paid for your services?

We believe that cost should not be a deterrent from seeking financial advice. We pride ourselves on being family- oriented, and understand that the need for advice doesn’t always jive with the size of your salary. What does that mean? We are a hybrid fee and commission business. We make an effort to accommodate those just starting to save, plan and invest all the way to those with retirement in full swing or on the horizon. Asset management for less than $25,000 is commission based, over $25,000 is fee based. Financial Planning is either a flat fee or wrapped into fee- based asset management. Please contact us for further explanation.

What does financial planning entail?

Financial planning is a multi-step process. We begin with a discovery meeting to outline the scope of the engagement. Refer to financial planning page on our website for more details.

How much life insurance do I need?

It depends on your situation and what your goals. We’d be happy to help you explore your options and see what may appropriately fit your needs. Please contact us for an analysis.

Should I invest in a Roth IRA?

Roth IRAs are fantastic tools for retirement savings. However, you should consider the following: The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 1/2 may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. The tax treatment of Roth IRAs may change.

How much savings should I have?

The general recommendation is between 3 and 6 months of living expenses.

How do I save for my child’s college education?

529s, UTMAs and Coverdells are all useful tools. Contact us to determine the benefits and what best fits your objective.

What do I do with an inheritance?

Celebrate! Just kidding. Take cautious steps to improve your financial situation and make the most of your windfall.

Can you help me with understanding my employer sponsored

retirement plan?

Of course! We are retirement planners. We can help you understand the type of plan you are being offered, as well as offer advice on the investments within the plan.

I left my job, what do I do with my old 401(k)?

There are a few options. Rolling into an IRA is very common option for maintaining the tax-deferred nature of the account. If you are seeking another job, rolling into your new employer plan may be possible (if the plan allows). We are happy to help you navigate these changes.

Disclosures:

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA www.finra.org / SIPC www.sipc.org / Broker Check https://brokercheck.org The LPL Financial Registered Representatives associated with this site may only discuss and/or transact business with residents of the following states: AK,AZ,CA,CO,CT,HI,IA,KS,MN,MS,MT,NC, NM,NV,OH,OR,SC,TX,WA,WI

Frequently Asked

Questions (FAQs)

How are you paid for your

services?

We believe that cost should not be a deterrent from seeking financial advice. We pride ourselves on being family-oriented, and understand that the need for advice doesn’t always jive with the size of your salary. What does that mean? We are a hybrid fee and commission business. We make an effort to accommodate those just starting to save, plan and invest all the way to those with retirement in full swing or on the horizon. Asset management for less than $25,000 is commission based, over $25,000 is fee based. Financial Planning is either a flat fee or wrapped into fee-based asset management. Please contact us for further explanation.

What does financial planning

entail?

Financial planning is a multi-step process. We begin with a discovery meeting to outline the scope of the engagement. Refer to financial planning page on our website for more details.

How much life insurance do I

need?

It depends on your situation and what your goals. We’d be happy to help you explore your options and see what may appropriately fit your needs. Please contact us for an analysis.

Should I invest in a Roth IRA?

Roth IRAs are fantastic tools for retirement savings. However, you should consider the following: The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 1/2 may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. The tax treatment of Roth IRAs may change.

How much savings should I

have?

The general recommendation is between 3 and 6 months of living expenses.

How do I save for my child’s

college education?

529s, UTMAs and Coverdells are all useful tools.  Contact us to determine the benefits and what best fits your objective.

What do I do with an

inheritance?

Celebrate! Just kidding. Take cautious steps to improve your financial situation and make the most of your windfall.

Can you help me with

understanding my employer

sponsored retirement plan?

Of course! We are retirement planners. We can help you understand the type of plan you are being offered, as well as offer advice on the investments within the plan.

I left my job, what do I do with

my old 401(k)?

There are a few options. Rolling into an IRA is very common option for maintaining the tax- deferred nature of the account. If you are seeking another job, rolling into your new employer plan may be possible (if the plan allows). We are happy to help you navigate these changes.
Copyright © 2016 - All Rights Reserved -  Mountain View Financial    (619) 867- 0668    7863 La Mesa Blvd., Suite 202. La Mesa, CA 91942