Prepare for Open Enrollment
Wills are probated if they involve transferring properties that cannot be transferred by non-probate or small estate alternatives. A will is revocable and subject to financial advisor Valencia amendment at any time during your lifetime; however, amendments must be made with the same formalities as the will. A living trust is created by you during your lifetime. A will is written during your lifetime, but does not take effect until after your death. A living trust, sometimes referred to as a revocable trust or inter vivos trust, is established and takes effect during your lifetime by a written document known as a trust agreement. This commentary is provided for general information purposes only, should not be construed as investment, tax or legal advice, and does not constitute an attorney/client relationshi


"…takes care in responding to my questions, explains well the particulars of my financial plan and investments, and is aways open to concerns I might express." 11 "The team is super responsive and always incredibly helpful in helping me ensure I am ready for retirement and beyond. From day one they were familiar with my account, attentive to my needs and went above and beyond with service - including assistance with computers! We are very confident in his management of our investments because his decisions are rooted with our success as the priority."21 When planning for financial success and the utilization of my investments he takes a cautious approach which gives me confidence that my long-range financial goals are secure."30
Income Range
"In times like these it is a complete pleasure and comfort to work with the professionals at EP Wealth, especially Ashley. I never doubt his commitment to us and our investments."28 "They have answered all of my questions very quickly and thoroughly. "From the start, they demonstrated a high level of professionalism and deep knowledge of investments, retirement planning, and tax-efficient strategies. Guidance for navigating financial considerations before, during, or after divorce, including cash flow analysis, asset division scenarios, and longer-term planning implications. Holistic planning that brings together cash flow, investments, retirement, and other financial considerations to help clients make informed decisions across different life stages.
We hear that all the time from people when we first meet them. I’ve worked with people with very little money when they started as well as people who had more than they will ever spend…and everything in between. We’ll work with you every step of the way and you’ll be able to monitor your progress 24/7 with our easy-to-use mobile app. At Virtue Wealth Management, we’ve been serving Santa Clarita and Valencia residents since 2013 as a fee-only fiduciary. Look for a fiduciary who is legally required to put your best interests first at all times — not someone who earns commissions by selling specific products. After your financial plan is designed by us, you’ll have regularly scheduled coaching calls with your advisor to review your goals and your progres

Facilitating Multistate Asset Management
Check with the bank, insurer, or other entity holding your account or asset to find out how to designate or change a beneficiary and if there are any restrictions. These intestate succession laws are complicated, but they essentially distribute your assets to your surviving relatives based on familial relationship. It includes analyses of the American Bar Association’s Model Rules of Professional Conduct provided by The American College of Trust and Estate Counsel (ACTEC).
Creating a Valid California Wi


Ongoing portfolio management informed by individual goals, risk considerations, and time horizons, with strategies that may adjust as market conditions and personal circumstances change. Planning support for business owners, including strategies related to growth, succession, liquidity events, and personal financial alignment with business-related decisions. Financial planning strategies that consider tax implications, including coordination of investment and retirement decisions in ways that may help manage tax exposure over time. Support for evaluating retirement goals, income needs, and timing considerations, with strategies that can help align savings, investments, and withdrawal approaches over time.
Fiduciary Duty: Choose a Fiduciary Advisor
The EP Wealth team in Valencia believes that financial advice should be tailored to each client’s unique situation and goals. A fee was not paid by either the financial advisor Valencia investment professional or HH to receive the ranking. Wealth management is about more than just growing your assets; it’s about orchestrating your financial affairs to achieve your life’s vision. Retirement should be a time of relaxation and fulfillment, not worry. We analyze your current financial situation, identify opportunities for improvement, and chart a course to help you achieve your dreams, whether it’s buying a home, funding education, or starting a busines