Our Personalized Approach
You've spent your life defining the perfect retirement
...and you've worked each day to save for it. Now it's time to ensure you can live your
retirement the way you've always dreamed. What do you envision when you fall asleep? What
personal goals do you have for yourself? What adventures do you want to experience? These
questions to ask yourself are important, and so is the financial strategy you choose to
implement. We?re here to help you develop a financial plan-a plan that might help you achieve
everything you've always wanted in your life and retirement.
Define It
Defining your future retirement is the first step in achieving it. We'll help you to identify
what is truly meaningful and what is important to you.
Plan It
With an idealistic vision in mind, it's time to start planning your finances to successfully
support that vision. It's never too early or too late to start.
Live It
When you are confident in your financial plan and strategy, there's one last step. Get out
there and enjoy the life you've always dreamed.
General Information |
| Firm Start Year: | 2007 | |
| No.of Employees: | 5-9 | |
| Name of Broker/Dealer: | Gradient Advisors, LLC |
| Name of Custodial Firm: | T.D. Ameritrade |
| Number of Years with Current Firm: | 12 |
| Work Experience: | I have been working specifically with retired or retiring couples for 12 years. |
| I work with the following types of clients: | Individual Investors, Businesses |
Services |
| Investment Types: | Stocks, Insurance, Bonds, Mutual Funds, Annuities, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI) |
| I can meet clients in the following ways: | At your office, At my office |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Annuity, Disability, Health, Life, Long Term Care |
| Financial Organization Memberships: | Financial Planning Association (FPA) |
Firm Information |
| Firm's Number of Clients: | 600 |
| Firm's Number of Planning Clients: | 600 |
| Firm's Number of Managed Clients: | 300 |
| Assets Managed by Firm: | $115,000,000.00 |
| Advisor's Number of Clients: | 600 |
| Advisor's Number of Managed Clients: | 300 |
| Advisor's Number of Planning Clients: | 400 |
| Assets Managed by Advisor: | $115,000,000.00 |
Compliance |
| Registered Investment Advisor: | Yes |
| Registered Representative: | Yes |
| Investment Advisor Representative: | Yes |
| I am an acknowledged fiduciary: | Yes |
| Compliance Disclosures in Last 5 years: | I have a clean record |
| Criminal Disclosures in Last 5 years: | I have a clean record |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $250,000 |
| Compensation Methods: | Flat Fee, Hourly, Based on Assets, Commissions |
| Fee % Based on Assets: | 0.80% |
| Hourly Rate: | $250 |
| Additional Details on Charges: | Either asset based fee or hourly rate applies. Clients are not subject to both. |
| Minimum Fee Charged for Managed Accounts: | 0.8% |
| Minimum Fee Charged for Hourly Planning Accounts: | $250 |
| Masters of the Arts - Theology |
Fuller Theological Seminary - Pasadena, California
1996- 2002 |
| Associate of Science - Registered Nurse |
Loma Linda University - Loma Linda, California
1976-1978 |
| Personal Financial Planning - Personal Financial Planning |
University of California Irvine - Irvine, California
2009- 2011 |
Tami Simpson, CFP®, CRPC®, ADPA, is co-founder and President of Wealth Financial Group West, Inc. She is a Certified Financial Planner and is a Chartered Retirement Planning Counselor designee.
Financial Advice & Consulting |
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Comprehensive Integrative Personal Financial Planning, portfolio analysis, design and management. Asset allocation, tax management including Roth conversion and other tax reduction strategies, cash flow, budgeting, social security and pension decisions, real estate, medical and Long Term Care planning, beneficiary and inheritance provisions, advance uses of life insurance and other risk transfer strategies. |
Financial Planning for Individuals |
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I think what I do well is integrate sometimes opposing financial goals such as: Spending now versus inheritance later. Taxes now verses taxes later. Taxable versus tax free income. Variable verses predictable cash flow. Retained risk versus transferred risk. Insured Savings versus Investment strategies. Liquidity needs with liquidity costs. |
Retirement Planning |
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I have worked almost exclusively with couples that are retired or retiring withing the next five years my entire career. Maximizing spendable cash flow while reserving for potential medical/long term care needs and still leaving the desired inheritance requires a different approach than all the previous years of saving and growing a portfolio. |
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Mon. | 8:30 AM - 6:00 PM |
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Tue. | 8:30 AM - 6:00 PM |
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Wed. | 8:30 AM - 6:00 PM |
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Thu. | 8:30 AM - 6:00 PM |
| Aliso Viejo | Anaheim |
| Capistrano Beach | Corona Del Mar |
| Dana Point | Foothill Ranch |
| Fullerton | Huntington Beach |
| Irvine | Laguna Beach |
| Laguna Hills | Laguna Niguel |
| Lake Forest | Long Beach |
| Mission Viejo | Newport Beach |
| Newport Coast | Orange |
| Rancho Santa Margarita | San Clemente |
| San Juan Capistrano | Santa Ana |
| Seal Beach | Silverado |
| Sunset Beach | Surfside |
| Trabuco Canyon | Tustin |
| Westminster | Yorba Linda |
| Check | Money Order |
| Visa | MasterCard |
| American Express | |
Top Adivisor
Top Advisor
Top Producer
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