Welcome to the Wine Country!
I am Byron Hancock, a CERTIFIED FINANCIAL PLANNERTM and Accredited Investment Fiduciary in Sonoma, California. I feel my life matters when I enhance the lives of others.
It is then my goal to help people plan for Retirement and live in dignity throughout it, sustaining inter-generational wealth for the benefit of a family legacy, along with their philanthropic community interests.
I nurture relationships and can help you find solutions to your unique financial picture by listening to the concerns that might keep you up at night. College funding. A healthy lifetime lasting longer than your retirement funds. Or how best to pay for senior care when you can’t take care of yourself? What happens to your family, or business, financially and beyond the emotional devastation, if something happens to you unexpectedly? Is your family enabled to settle estate taxes without liquidating the family property for which you’ve worked so hard?
After discovering your financial situation and concerns, a financial plan is developed and focused on moving you towards your own personal life goals.
Working with your other professionals in the quarterback role as your Trusted Advisor, I recognize the need to earn your trust and confidence. I present various unbiased options with the pros and cons of each. At the heart of it all is the implementation of creative solutions across a variety of financial instruments, with concern for simplicity, current tax law and the inevitable changing economic horizon.
Being independently owned and operated, I am not captive to any one company, product or service. Nor are there monthly quotas to meet, nor mandatory products to sell. This gives me the latitude to select from whatever insurance plan and investment program feels right for YOU. ALWAYS. Service and integrity are in my DNA.
I invite you to join us at WINE+WEALTH which is usually on the 2nd Wednesday of each month about 6:00PM. The event is an after-hours, exclusive, social wine tasting with other interesting people engaged in stimulating conversation. There is no financial presentation. Location varies. Call the office for more details and the current month’s venue. We look forward to seeing you soon!
Lots of Variables with Fixed-Rate Mortgages
When selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.
Rightsizing for Retirement
What does your home really cost?
What's My Potential Estate Tax?
This calculator helps estimate your federal estate tax liability.
If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Probate can be a completely public process, or it can be managed to include as little information as possible.
Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Use this calculator to better see the potential impact of compound interest on an asset.
Use this calculator to estimates your income tax liability along with average and marginal tax rates.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
This calculator shows how inflation over the years has impacted purchasing power.
This calculator can help you estimate how much you should be saving for college.
This calculator can help determine whether it makes sense to refinance your mortgage.
Principles that can help create a portfolio designed to pursue investment goals.
Learn more about taxes, tax-favored investing, and tax strategies.
Investment tools and strategies that can enable you to pursue your retirement goals.
There are some smart strategies that may help you pursue your investment objectives
The importance of life insurance, how it works, and how much coverage you need.
There are some key concepts to understand when investing for retirement
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Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Have you explored all of your choices when it comes to managing your taxable income?
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
This video may help put the Standard & Poor's downgrade of the U.S. government's credit rating in perspective.
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