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463 Century Park Drive Yuba City, CA 95991

(530) 671-2100
retire@ryanwealth.com
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Helping You With All Of Your Financial Needs

We at Ryan Wealth Management know that you want to maintain a good quality of life while maintaining sufficient money for the retirement years. We offer the tools that can help make that vision happen for you.

Investing through our structured, evidence-based process can provide the financial confidence you seek. As trusted fiduciaries, we put your well-being first and guide you in making smart financial decisions that can allow your assets to accumulate over time. Our priority is to help you build and maintain your wealth.

Ryan Wealth Management honors the unique circumstances of our clients. We work with individuals, families, small businesses, ranchers, and farmers as we develop plans for wealth accumulation, retirement planning, and estate preservation. We work as partners with you in maintaining your financial health before and during retirement. Our process includes educational meetings so that you are informed on critical financial aspects of your life and ongoing follow-up meetings to ensure that you are on track with your goals. As your needs progress, we bring in additional professionals from our extensive network so that we can serve each area of your financial life. We value our trusted, life-long relationships; we never stop working for you.

Investing is about you. Our comprehensive advisory process is designed to uncover what is most important to you personally and financially in order to put together the optimal long-term plan. We can help you clarify, prioritize, and address a wide variety of goals.

Wealth Management is a collaborative, ongoing process that provides customized solutions to clients' unique needs, beyond just investments.

For You

For You

Financial Planning takes the guesswork out of managing your finances, and helps you understand the implications of each financial decision you make. Everyone has different goals, so it's important to have a unique plan that works for you and your financial situation, both now and in the future.

Insurance Planning is a critical component of a comprehensive financial plan. Protecting yourself, your loved ones, your home, or your business against unexpected events is a fundamental aspect of financial planning. We will discuss your situation in detail and determine how much coverage you may need, what risks you may be exposed to, and how much you should pay.

For Your Business

For Your Business

Succession Planning includes developing an exit strategy for the owner and the business. We will coordinate and implement a strategy customized to your situation whether it involves transferring ownership and management responsibility to family members, fellow shareholders or partners, or to a third party.

Retirement Plans range from 401(k) profit sharing plans to defined benefit plans to many other plan types, we provide the options you need and the guidance you deserve. We work with your business to design a comprehensive plan that will fit the needs of the business, owners, and employees.

For Your Estate

For Your Estate

Estate Planning, regardless of your age or financial situation, being proactive about estate planning is something everyone should consider. We will work with our estate planning expert to develop a clear and well- drafted estate plan that can help limit your estate's tax liability, avoid probate, and ensure that your assets will be distributed to your loved ones quickly and easily.

An Overview of Our Comprehensive Services

  • In-depth guidance and comprehensive investment plans based on your goals and risk tolerances
  • Evaluate pension plan structures, IRAs, Roth IRAs or qualified plans
  • Analyze distribution options for pensions
  • Calculate retirement plan benefits, including Social Security
  • Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
  • Provide Roth IRA conversion calculations and advice

  • Consolidate investment paperwork
  • Provide 401(k), 403(b) or 457 investment advice
  • Evaluate investment alternatives
  • Explain investment ideas in a manner that makes them easy to understand
  • Provide secure online brokerage and stock-trading accounts
  • Provide annual asset allocation review and as needed, account rebalancing
  • Conduct semi-annual review of investment statements
  • Review your investment strategy to maintain an individualized, high-quality portfolio
  • Create and review an investment policy statement tailored to your needs

  • Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
  • Encourage you to save and invest
  • Evaluate your risk tolerance and help determine your tolerance for volatility
  • Help you understand the various attitudes toward money and the financial decision-making associated with each of them
  • Provide friendly and knowledgeable support
  • Continue to seek out professional education as advisors to better serve you

  • Provide economic and stock market updates and explain what they mean for you
  • Help you evaluate the economic news to determine what you should and shouldn't be concerned about

  • Provide investment information with a comprehensive approach
  • Keep you up to date with product, service, strategy changes, and improvements
  • Conduct semi-annual financial review meetings, with calls as needed in between
  • Provide appointment summary follow-up letters
  • Send quarterly newsletters or updates

  • Provide more confidence for financial matters, focusing on goals, priorities, direction, and structure
  • Conduct annual planning evaluations and tracking of goals
  • Promote vacation planning and quality-of-life enhancements
  • Calculate net worth and review cash flow annually

  • Explain how to best utilize employer benefits
  • Analyze the economic benefits of employment offers
  • Evaluate stock options and distributions as well as restricted stocks

  • Provide small business operational advice
  • Evaluate current business insurance and provide options if needed
  • Provide referrals to business valuation specialists
  • Analyze IPOs and business purchase options
  • Help you manage retirement plan tracking and maintenance: contributions made, contribution limits, GUST amendments, profit sharing tax forms (5500), etc.
  • Analyze current employee benefits and provide options
  • Provide information on business transition or succession strategies
  • Provide guidance regarding business tax planning

  • Evaluate current holding and look for opportunities to increase returns on cash accounts
  • Help determine an appropriate amount of “easy-access” funds to have available for emergency or opportunity

  • Analyze dept structure and organization and assess lending opportunities
  • Evaluate mortgage financing, the economic benefits or refinancing, semi-monthly payment programs, accelerated payment programs, and PMI reduction strategies

  • Evaluate current life, disability, long-term care, health, umbrella, property and auto insurance
  • Look for opportunities for improvement or money savings

  • Help prioritize your spending and prepare for potential pitfalls
  • Look for opportunities for additional savings

  • Research opportunities and help calculate college financial aid programs
  • Educate you on the various minor account ownership options: UTMAs, Education IRAs, 529 plans, etc.
  • Conduct financial education programs for children

  • Advise on the implementation and proper use of estate planning tools: wills, trusts, or powers-of-attorney
  • Provide education and guidance on charitable giving alternatives
  • Review ownership and beneficiary designations on all accounts

  • Calculate the benefits of purchasing versus leasing a vehicle
  • Analyze the economics of a second property or rental property

  • Provide information about tax-planning strategies
  • Simplify tax reporting
  • Discuss the benefits of optimizing your 401(k), 403(b) or other retirement plan options
  • Provide capital gains and loss planning
  • Provide information on the benefits of section 125 plans and health-savings accounts
  • Help you reduce taxation of Social Security Benefits
  • Provide a year-end capital gains/loss analysis
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