Five Key Elements:

Helping Individuals and Families Thrive with Grace & Ease

We have an exclusive five key element design.  Like spokes on a wheel, if one element is weak then there may be a pending failure. Wealth Management Retirement Planning can be complex.  However, if we could show you a way that makes this process simple and easy - would you be interested?

We have seen people who have been surprised by the challenges they face in retirement. When the first spouse passes away (dies) the surviving spouse is often tossed into a whirlwind.  A whirlwind of paperwork and financial reality checks. We highly recommend a 2nd opinion before one of you dies.

1. Income

2. Taxes

3. Managing Risk

4. Estate

5. Legacy

There are many places you can learn more about us.

Google certainly has much information from us including videos on YouTube. And we are growing our Google places listing Our others sites are fully populated with useful information, consider visiting them:  iXray Retirement Calrima Financial iXray Annuities

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We will gladly send you any of our booklets.  We have booklets on Avoiding IRA Distribution Mistakes, Annuities, Life Insurance, and even have a booklet on Social Security planning. 04 Privacy Policy Notice 2012  - our official privacy notice 05 Form ADV Part 2A 2B  - our official ADV Part II Brochure.