CalRima Financial and Insurance Agency is a fee-based Wealth Planning firm that prides itself on unparalleled service and performance. We are committed to providing unbiased advice and prudent strategies for wealth management. Our services are always tailored to your unique needs. We provide estate planning, risk management, cash flow analysis, investment/wealth management, retirement planning, and asset management. Our fee-based approach allows us to serve you without compromise. As a fiduciary we work on based on a strict ethic of doing only what is right/appropriate for you. Our reward is satisfied clients!
As an IRA Technical Expert - CalRima's team will evaluate and review your IRA and all of the documents associated with it. By utilizing our extensive check-list system we expose mistakes that can be avoided and must be corrected before people pass away.
Few issues are correctable if you have passed away. For as little as $175 your IRAs can be reviewed to ensure they are properly setup.
A common mistake is the IRA custodian, the company holding your IRA funds, does not have your current beneficiary declarations on file or what they have was entered incorrectly. Very simple to correct now, impossible to correct after you passed.
Another huge mistake people make is having their Living Trust be the beneficiary of their IRA. The issue with the trust being the beneficiary is that in most cases the IRA will be distributed to the trust and then taxes will be paid at trust rates, which are the highest of all tax rates.
Our Commitment
At CalRima, we treat our clients with courtesy and integrity. We guarantee realistic, honest financial advice that achieves results. We will lead you on a course to financial freedom. Our years of experience and notable expertise ensure that your financial future is in good hands.
Our consistent track record of uncompromising ethics instills confidence and trust. We use cutting edge technologies to ensure up to the minute information from the financial world. This allows us to respond quickly, and give you the most relevant information and perspective.
