Wealth Accumulation
Investment Solutions | Cash Solutions | Retirement Preparation
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Every day that we wake up, we have an opportunity to go out into the world and contribute something to society. As Americans, work represents a substantial portion of our lives; consequently, it can also impact our quality of life. Through work, we gain dignity, and we also earn a paycheck. At the end of the day, our ability to earn an income is one of our most valuable assets because it is our income that makes every component of our overall financial plan possible.
At C.M. Carrillo Financial Advising, one thing we know for sure is that most people in our society work very hard for their money. Therefore, we fully appreciate the responsibility that we have when each of our investment clients makes the decision to entrust us with their money. With that being said, it should be emphasized that we really derive a substantial amount of satisfaction from helping each of our investment clients transform their vision into their reality. Ultimately, accumulating wealth can be a very exciting process, mostly because of all of the things that become possible when a client's wealth accumulation goals and objectives are met.
Financial News
The Economy & The Financial Markets
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Asset & Wealth Management
About AssetMark
At C.M. Carrillo Financial Advising, we have a phenomenal platform that we use to help our investment clients access the financial markets and invest for the future. The platform is called AssetMark. AssetMark is a very well regarded Asset and Wealth Management Firm. For a number of years, we have maintained a special relationship with AssetMark, and over time, that relationship has only gotten stronger.
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AssetMark is headquartered in Concord, CA, |
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The AssetMark Platform
Due Diligence of Investment Solution Providers
AssetMark's platform allows us to help our clients manage both non-qualified and qualified dollars with the expertise of numerous quality Investment Solution Providers, each of which has a proven track record. It should also be noted that AssetMark's platform utilizes Open Architecture, which is a tremendous benefit to clients. Throughout the years, AssetMark has decided to include numerous Investment Solution Providers on the platform, each of which has gone through the company's thorough and rigorous due diligence process. AssetMark has strategically selected Investment Solution Providers from across the industry based on each company's area of expertise as well as each company's ability to complement what all of the others bring to the table. The result is a very robust and versatile investment platform that has solutions for every investment client.
Core & More
Portfolio Construction Methodology
The methodology that we use when we construct investment portfolios on the AssetMark Platform is called Core & More. It is a highly innovative methodology that takes portfolio construction to a higher level.
We believe that every investment portfolio should be built on a solid foundation, or a "Core," that responds to economic cycles. However, we also believe that portfolios require "More" in order to effectively tailor them to the long-term goals and objectives of each individual client. Adding complementary strategies to a strong foundation results in portfolios that investors can have confidence in. This confidence comes from the knowledge that included strategies are specifically designed to achieve stated goals and objectives, such as: Growth, Income, and/or Wealth Preservation.
Our portfolio construction methodology is also designed to mitigate the threat of emotional decision making. Emotions are capable of clouding one’s judgement, which can in turn lead to unintended consequences when the financial markets experience heightened levels of volatility.
Ultimately, whether you have significant assets to manage, or if you are just starting to accumulate wealth, the AssetMark Platform provides the tools, resources, and investment solutions necessary to meet your needs.
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 | Private Markets |
 | AssetMark Direct Indexing (ADI) |
AssetMark's Special Offerings
| Cash Solutions |
| The Cash Advantage Program
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 | Tax Management Services (TMS) |
 | Self-Directed Brokerage Accounts (SDBA) |
AssetMark Online
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AssetMark's Workplace Retirement Solutions
For Business Owners
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Retirement Income
Longevity Risk & Annuities
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Annuity Contracts can help those that are preparing for retirement manage and mitigate certain risks, such as: Volatility Risk, Market Risk, and Longevity Risk. Annuities can complement the other components of one's overall financial plan by allowing individuals to transfer certain risks from themselves to an insurance company. Furthermore, Annuity Contracts can be customized by utilizing certain riders known as Living Benefits, which can make a contract a very powerful and significant tool in one's overall financial plan. Variable Annuities are deemed to be both an insurance product as well as an investment and they can be customized in certain ways in order to meet your needs.
Annuity Contracts may however not be suitable for all clients. Clients that have short or intermediate term liquidity needs may not want to make a contribution into an annuity because contracts may have surrender charges that are applicable for a set number of years. Additionally, withdrawals prior to age 59½ may result in a 10% tax penalty. Annuities that are held within qualified accounts, such as IRAs, are also subject to all of the rules that apply to such retirement accounts. Clients must also consider the fees that are associated with annuities as well as any riders that may be attached to a particular contract. Since annuities can help clients manage certain risks, clients should be aware of the fact that there is a cost associated with mitigating those risks. Living Benefit Riders for example can be added onto an Annuity Contract in order to customize it; however, taking advantage of these riders always comes with an additional cost. And since Variable Annuities are tied to the financial markets, the values and benefits that contracts may provide can certainly fluctuate as well.
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529 College Savings Plans
529 College Savings Plans are investment accounts designed to help those with higher education goals set aside money for college.
For additional information on 529 College Savings Plans, please refer to our College Planning Page.
Financial Calculators
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Vision To Reality
Investment Advisory Services offered through Exodus Wealth, LLC, a Registered Investment Advisor. C.M. Carrillo Financial Advising and Exodus Wealth, LLC are separate entities.
C.M. Carrillo Financial Advising and Exodus Wealth, LLC do not render tax or legal advice.
Investors should consider the investment objectives of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying funds. There is a surrender charge imposed generally during the first 5 to 7 years you own the contract. Withdrawals prior to age 59½ may result in a 10% tax penalty. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account value will fluctuate with changes in market conditions. The prospectus contains this and other information about the variable annuity. Contact your financial advisor to obtain a prospectus, which should be read carefully before investing or sending money.
Investors should consider their investment objectives, risks, charges and expenses associated with municipal fund securities before investing. All investments involve some form of risk such as share price and investment return which may fluctuate in price or yield and you may receive more or less than your original investment upon redemption. Before investing, the investor should consider whether the investor's or beneficiary's home state offers any state tax or other benefits available only from that state's 529 Plan. This information is found in the issuer's official statement and should be read carefully before investing.
PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.