Taxes

• Tax Planning
  This may include periodic reviews and structured rebalancing analyses which measure the effects of varying market conditions on your assets, to help insure your portfolio remains consistent with your target parameters. It may also integrate stock option strategies or company stock grants, employee retirement accounts, or year-end tax planning.
• Capital Gains Taxes
  We employ what we consider to be tax efficient investing techniques such as keeping taxable dividend and interest income low, and minimizing portfolio turnover in an effort to reduce capital gains tax.

Investment

• Investment Management
  Our firm works with you to fully support and implement your financial and portfolio planning. We can manage the investment implementation process, as well as ongoing management, to insure you stay on track.
• Mutual Funds
  Mutual funds, even no-load funds purchased directly through a fund company or discount broker, have management and administrative costs. These are expressed as a percent of assets, or expense ratio. The average expense ratio is currently about 1.0% for stock funds and 0.7% for bond funds (Investment Company Institute). This equals about $700-$1,000 in costs each year per $100,000 invested.

Planning

• Financial Planning
  Golden Gate Personal Financial Planning LLC is an independent Registered Investment Advisor with the State of California. Our principal, Sara Ellefsen, has over 18 years’ experience and the following credentials...
• Retirement Planning