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Wealth Accumulation
Investments & Retirement Planning


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.

The New York Stock Exchange

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Economic & Market News

Asset Management & Wealth Management

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.


About AssetMark

AssetMark is headquartered in Concord, CA,
in the heart of the San Francisco Bay Area.


AssetMark also has regional offices in:
Chicago, IL | Phoenix, AZ
Encino, CA | State College, PA

The Platform

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.

AssetMark's Due Diligence Overview

Portfolio Construction: Investing Evolved

The methodology that we use to construct investment portfolios on the AssetMark Platform is called Investing Evolved. It is a very innovative methodology that takes portfolio construction to a higher level. Whether a client has significant assets to manage, or if the client is just starting to accumulate wealth, the AssetMark Platform provides us with the tools, resources, and investment solutions necessary to meet the needs of any client.

One of the most noteworthy aspects of the AssetMark platform involves our ability to include in one's portfolio an Investment Approach that utilizes Tactical Strategies. If you would like to learn more about the significance of including Tactical Strategies in your investment portfolio, Call Today! We are always here to help in any way that we can.

AssetMark's Online Resources

  • WealthBuilder is AssetMark's innovative online investment and planning experience. It’s simple, it’s easy, and it is an excellent tool that can be used to begin a conversation about your Wealth Accumulation goals.

  • Get Started Here

AssetMark's Special Offerings

AssetMark's Workplace Retirement Solutions


Retirement Income: Variable Annuities

Variable Annuities can help clients that are preparing for retirement manage and mitigate certain risks, such as: Volatility Risk, Market Risk, and Longevity Risk. Variable Annuity Contracts 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, Variable Annuities can be customized by utilizing certain riders known as Living Benefits, which can make Variable Annuity Contracts a very powerful and significant tool in one's overall financial plan. Variable Annuities may be considered both an insurance product as well as an investment product and they can be customized in certain ways in order to meet your specific needs.

Variable Annuities 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 a Variable Annuity because contracts usually 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. Variable Annuity Contracts 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 Variable Annuities. Since Variable Annuities can help clients manage certain risks, clients should also 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.

Actuaries Longevity Illustrator



Actuaries Longevity Illustrator

  • Longevity: How long you might actually live

  • Life Expectancy: How long an individual of your age, gender, and health would be anticipated to live on average

  • Retiree Financial Longevity Risk: The risk of outliving your financial resources

 

Alliance for Lifetime Income - A Nonprofit Organization





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



Helping You Transform Your Vision Into Your Reality



C.M. Carrillo Financial Advising and Prosperity Wealth Management, Inc. do not render tax or legal advice.

Investment Advisory Services offered through Prosperity Wealth Management, Inc., a Registered Investment Advisor. C.M. Carrillo Financial Advising and Prosperity Wealth Management, Inc. are separate entities.

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.

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