Clients engage Benedetti Financial to provide impartial recommendations on a wide variety of issues. While each client and situation is inherently unique, the general process involves defining the client’s investment needs, goals, risk-tolerance, analyzing the client’s existing financial situation, and then recommending appropriate courses of action.

Investments play a key role in your financial security plan. No matter where you are in life, we can provide guidance, tools, and services to help you invest or prepare for retirement on your terms. For individuals, a mix of individual investments and qualified retirement plan investments including those held in Traditional, Roth, Rollover IRAs, and Inherited IRAs can help achieve short- and long-term goals.

You may choose to engage Tax Planning services with our sister company Benedetti & Associates, CPA, Inc. Visit the website www.benedetticpa.com or call (805) 922-4881 to be placed with a tax planning specialist to discover how our tax services may be able to help you.

When you change jobs or retire, there are four things you can generally do with the assets in any employer-sponsored retirement plan:

• Leave the money where it is
• Take the cash (and pay income taxes and perhaps a 10% additional federal tax if you are younger than age 59½ )
• Transfer the money to another employer plan (if the new plan allows)
• Roll the money over into an IRA