SERVICES

Services Provided

With over thirty years of experience in the field of finance, there are many areas that we can provide honest, ethical and competent consultation. Here is a partial list, in no particular order:

College funds

Financial Planning

Retirement Planning

Investment Advisory Services

Municipal, corporate, and government bonds

Stocks, ETF’s, and other securities

Basic Estate Planning

Mutual Funds

Term Insurance

Simple IRA, SEP-IRA and ROTH IRAs

401(k), 403(b), and IRA account rollovers

Puts, calls, and stock options

Services Provided

With over thirty years of experience in the field of finance, there are many areas that we can provide honest, ethical and competent consultation. Here is a partial list, in no particular order:

College funds

Financial Planning

Retirement Planning

Investment Advisory Services

Municipal, corporate, and government bonds

Stocks, ETF’s, and other securities

Basic Estate Planning

Mutual Funds

Term Insurance

Simple IRA, SEP-IRA and ROTH IRAs

401(k), 403(b), and IRA account rollovers

Puts, calls, and stock options

What Does It Cost For Professional Financial Advice?

In the field of investment management and, at our firm specifically, there are at least four paths to choose how to invest your hard earned money:

Commission-based Compensation

Fees are charged on every transaction – the charge to buy or sell a security is about $40, regardless of the dollar amount of the purchase or sale. We custody our clients’ assets with National Financial Services, LLC, (NFS) a wholly owned subsidiary of Fidelity Investments. Clients can view their account balances, positions, statements, etc. on the www.wealthscape.com website. There is no annual charge for this account, although NFS will charge a $50 inactivity fee on nonqualified (not retirement plans) accounts that fail to meet certain criteria. For qualified accounts such as IRA, ROTH IRA, Simple IRA, SEP-IRA, etc., NFS charges an annual trustee fee of $35.00.


Fee-based Compensation

Sometimes called a “managed account” or “fee-based”, this account model features discretionary trading by your advisor and an asset-based charge that is a percentage of the value of the account which is deducted from the account balance on a quarterly basis. Most brokerage firms and banks charge an annual fee of 1.40% to 2.00% for managing your brokerage account, which typically consists of stocks, bonds, mutual funds, exchange traded funds (ETF) and other securities. Our charge for managed accounts is .75% for accounts that are less than $500,000, and .50% for accounts $500,000 or larger. These reduced fees are less than ½ of what most other firms charge for similar services.

Hybrid

This is a combination of both accounts referenced above and may include mutual funds and variable annuities held directly with the many investment management firms available to our clients. Some of the leading mutual funds that we work with include: American Funds, Fidelity Advisor Funds, FranklinTempleton, Oppenheimer Funds, Putnam Investments and more.

Fee-Only Planning

In this model, we do not earn any compensation on the investment recommendations. We charge an hourly fee of $150 per hour to discuss, review and/or construct a suitable investment portfolio or to provide consultation in the areas of financial planning, retirement planning, estate planning, tax planning or preparation, risk management, etc. The client then executes the investment transactions on their own through their choice of discount brokers, no-load mutual funds, other broker/dealers, etc.

Investment Philosophy

Fail to Plan = Planning to Fail – Benjamin Franklin

You have likely heard this before, and in the context of personal finance, it is absolutely true. The worst thing that I have witnessed after three decades of field experience is the personal tragedy of outliving your money. As we are living longer, and the costs of living and custodial care are so high, there is a likely possibility that this could happen to you, especially if you procrastinate and save too little, too late in life.

Accordion 2

If you have a retirement plan at work, take full advantage of that opportunity and invest the maximum, no matter what your age. If you are self-employed or have no retirement plan, seize the initiative and start your own. If you are eligible, consider a ROTH IRA for additional tax-free savings for retirement.

Time Heals All Wounds

In 2017, the stock market hit all-time highs on 71 days and the S&P 500 increased by nearly 22%. The only constant with the markets is change, so invest for the long term and, if you are invested in the stock market, be prepared to put your chips on the side of the table when we inevitably enter the next bear market.


Over the past twenty years, with all the drama in our economy, the S&P 500 has still averaged about 8% per year. At that rate, your money doubles every nine years. Unfortunately, the odds are against you winning the lottery, inheriting enough money to buy you financial security or marrying rich. Take the reins on your financial future and do not be dependent on someone else.

The Eighth Wonder in the World is Compound Interest – Albert Einstein

If you divide the rate of return on your investments by 72, that equals the number of years it will take to double your money – that is called the Rule of 72. The Rule of 115 follows the Rule of 72 and shows you how long it will take to TRIPLE your money – same formula: divide the rate of return or interest rate by 115 and that is how many years it will take to triple your money. Unfortunately, investors are easily deterred from their long-term investment goals as various drama in their lives compels them to commit financial suicide by the untimely raiding of their savings and retirement accounts. Common sense is derailed and this is how you someone ends up working until death, becomes homeless or worse.

Debt is a Cancer You Bring on Yourself

This quote is all mine. Have you ever paid off a car loan or a credit card? What a great feeling that is to free up those funds that you were forced to give to a bank or credit card or student loan. Eliminating debt gives you extra funds to save to meet your investment objectives and achieve financial security.


In my life, I have never paid a penny in credit card interest and paid off my fifteen year mortgage in eight years. There is a certain degree of exhilaration when you live debt free. Experience that. Debt is a self-inflicted wound. Save your money to buy the things outright you need or want and avoid credit completely. You will live longer, healthier and happier.

COMPANY

Broker/Dealer

Western International

Securities, Inc.

70 S. Lake Ave. St. 700

Pasadena, CA 91101

Tel: (626) 793-7717

DISCLOSURES

Broker Check

Securities offered through Western International Securities, Inc. – Member FINRA and SIPC

Matador Family Financial Services and Western International Securities are separate and unaffiliated entities.

PERSONAL CONTACT

(818) 280-0280

9301 Corbin Ave., Ste. 1800

Northridge, CA 91324-2525

California Insurance License #0739977 • Clearing Through National Financial Services, LLC

©2022 Matador Family Financial Services