What Services (Other Than Investments) Does Retirement Capital Strategies Offer?

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

By participating in any of these live streams, you agree that any questions submitted by you might be used by us in the future on this YouTube channel. We will not share your personal information.

If you have questions, please write to us at: asktom@talkmoneywithtom.com.

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Transcript:

Easan Arulanantham:

What other services? Does retirement Capital Strategy offer outside of like, just investment advice?

Tom Vaughan:


Yeah. Well, I think that’s one of the key things here. You know, in the investment advice arena, I try my hardest to, you know, exceed what somebody could do. Just going to Vanguard and buying these big indexes, I use these big indexes, but I use some pieces outside of those to try to enhance returns, and try to actually pay for our fee. But ultimately, one of the things that we do is just trying to help kind of like a financial partner, for each one of our clients, to be able to be a resource. I mean, we do this we do what you can tell, if you watch this channel, and you look at this channel, we’re huge on education. And we really believe that’s a piece of what we do. And so we have these strategy sessions as needed, you know, with the clients. And we go through and take a look at their MonteCarlo simulation, what’s changed in their plan. Not everybody does this, but most of our clients do. And so that really helps. Because it’s like an early warning system to be able to tell you, Hey, here’s, you know, something that’s coming. Of course, we are a custom shop, a boutique, you know, investment shop, with a really tight clientele.

And so we take care of everything that we can, all of the issues that happen with accounts, somebody passes away the beneficiaries, the name changes, the new trust that comes out the, you know, all of the trading, I mean, we take care of everything that we can possibly take care of the try to make, you know, the client’s life easier. Those people that might want to do it themselves, you know, they, they’re, they’re having to do a lot of that on their own. We take care of that for them, as far as that goes. So, you know, we’ve been working on, you know, life insurance plans for people where it’s appropriate, you know, young families, trying to, you know, really work towards helping people make sure they have the right amount of life insurance. So we look at Estate Planning needs for those bigger estates. And we do estate plans for that to try to figure out what we can do to reduce estate taxes. You know, so I’m sure there’s some others. I’m missing Easan. And what else do we have on the list there?

Easan Arulanantham:

Well, we have Roth conversion and tax planning, those kind of go hand in hand. Yeah. So just being able to find a way that over time, we can lower your taxes. Because a lot of times when you do prepare taxes, you’re thinking for this year, what can I do to lower my taxes? Right, but there’s no long term strategy. Right? You have, right?

Tom Vaughan:


Yeah. And you can make bigger impacts, in my opinion, by looking at the rest of your life tax strategies, because you know, that every year it works. And you’re right, the Roth is a big one that I missed. Because I really consider us specialists in Roth conversions, we have some really powerful tools that we can use to determine, you know, what’s the best tax bracket to fill? How do they work? What would happen to your net worth? If you did it, or you didn’t do it? I think we have some great things that we can, you know, show strategy wise, we spend a lot of time helping people with their Roth conversions. Every single year, we’re working on that. So that I think that’s a huge one. And maybe one of the biggest payoffs to what you know, to working with us, I would think that’s one of the big pieces for for those people that need it.

Yeah, so I, you know, but I get questions about almost anything, you know, Hey, should I lease this or buy this, you know, car, should I, you know, can I buy this car, or this, you know, RV or this, you know, travel trailer or whatever it might be? And I can go in, you know, to their plan, put that expense in, run the Monte Carlo simulation and tell him the difference and say, give my opinion. Yeah, that works or whoo, boy, that really kicks back your probability of success that would be possibly a dangerous move. I think it’s really helpful personally, just to know that you can and and what you should do, you know, hey, I want to buy a rental property. Okay, let’s model that see what happens and what are the parameters and how does that work? or what have you so and you know, what type of danger you’re putting yourself in? Or is it just a really good thing, that type of thing, whatever that question is, so, you know, constantly getting questions through email that we answer it just nice. It’s a resource and just to be able to ask Tom basically, right. And so that that we I think that’s a big piece of what we do there too, and just kind of bring some people some peace of mind.

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

By participating in any of these live streams, you agree that any questions submitted by you might be used by us in the future on this YouTube channel. We will not share your personal information.

If you have questions, please write to us at: asktom@talkmoneywithtom.com.

  • MoneyGuidePro®
  • Advent Software/Black Diamond Reporting
  • Riskalyze, Inc.
  • thinkpipes®
  • Right Capital
  • YCharts, Inc.