Our Services

Eric Furstner, CFP® CLU ChFC is a financial professional specializing in the following areas…

Personal Financial Planning – The financial planning process involves assessing your current situation, setting financial and personal goals, identifying financial barriers, and then developing a plan. A plan may address only one or two issues or be comprehensive, depending on your needs.

Investment Portfolio Strategies – The world of investments can be overwhelming. So where do you begin? We can help you navigate your investment options while demystifying complex issues. In order to reach your financial goals, your time horizon, risk tolerance and available financial resources must be evaluated before we can help you develop an appropriate investment strategy.

Retirement Planning – How prepared are you for retirement? What are your options when you leave an employer? The biggest fear most people have regarding retirement is that they’ll outlive their savings. Planning will help you identify your retirement lifestyle and help ensure the financial means to achieve and maintain it taking into account taxes and inflation. Some of the specific areas that could be addressed are tax treatment of a lump sum vs. income averaging techniques, 72(t) calculations for assessing how much money can be withdrawn from a qualified plan prior to age 59 ½ without triggering the early withdrawal penalty, analysis to evaluate whether one runs the danger of exhausting their principal in the future, and a “pension maximization” analysis which will evaluate if taking a “single life” income option for a defined benefit pension plan is better than that of a “joint survivor.”

Risk Management – Are you properly insured? Are you paying too much for your insurance? Appropriate levels of life, disability income, long-term care, homeowners, auto, and liability insurance form the foundation of any financial plan.

College Funding – Planning for higher education expenses can be daunting.
We can help you identify your options and make smart decisions about funding higher education in the context of your other financial goals. Careful planning can reduce the impact of this major expense.

Asset Allocation** – Asset allocation is an investment strategy that seeks to reduce investment risk while maintaining a desired rate of return by spreading an individual’s investments over a number of asset types. It takes advantage of the tendency of different asset types to move in different cycles, thus smoothing out the ups and downs of the entire portfolio. Stocks, bonds, and cash equivalents are the investments normally portrayed. Depending on individual needs or preferences, tangible assets such as real estate or gold may also be included.

IGNORE IT…Let your heirs worry about it (by far the most expensive option).

REDUCE IT…Many techniques are available to accomplish this.

DISCOUNT IT…By as much as 90%.

REDIRECT IT…To favorite charities.

The Furstner Group, Inc. can help reduce or eliminate the estate tax on your accumulated assets, legally and conservatively.***

Retirement Plans – Tax-Qualified retirement programs including 401(k), Profit Sharing, SIMPLE plans, and SEP IRA’s. These programs are not as complicated as many people think. We provide economical “turn-key” packages include plan design, installation, and administration services.

Business Continuation Agreement – A properly written and funded Buy/Sell arrangement can help eliminate the hazards involved in the sale of a deceased, disabled, or retiring owner’s share of the business.

Deferred Compensation – An arrangement whereby select key executives are rewarded with additional retirement benefits; provided with a substitute for equity-based compensation; allowed to defer taxation on income from peak earning years; or provided with an incentive to stay with the company (golden handcuffs).

**Asset allocation does not guarantee a profit or ensure against a loss in a declining market/ing market.

*** You should consult your tax or legal advisor for specific guidance on tax or legal matters.

The Furstner Group, Inc.

3003 Oak Road, Suite 250
Walnut Creek, CA 94597

Eric Furstner, Wesley Yamada and James Diehl are registered representatives of and offers securities and investment advisory services through MML Investors Services LLC,. Member SIPC (The Furstner Group, Inc. 3003 Oak Road Ste 250 Walnut Creek, CA 94597, phone: 925-979-2305).  The Furstner Group, Inc. is not affiliated with MML Investors Services or its affiliated companies.

Eric Furstner offers Fee-based financial planning through The Furstner Group, Inc., a Registered Investment Adviser.
Wesley Yamada and James Diehl are not affiliated with the Registered Investment Adviser.

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