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. 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.
Donating Art: Taxation Abstraction
The tax rules that govern donating art are complex and confusing. Take a closer look.
“Dirty Dozen” Tax Scams to Watch For
Every year the IRS releases its list of tax scams, spotlighting some ways that people try to separate you from your money.
Making the most of surprises is a great reason to work with us.
Without a solid approach, health care expenses may add up quickly and potentially alter your spending.
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
The right executor may help ensure the distribution of your assets is done with as little upheaval as possible.
Among stock-market investors there’s long been a debate between those who favor value and those who favor growth.
For many, retirement includes contributing their time and talents to an organization in need.
Do your insurance needs stay the same when the nest empties?
This questionnaire will help determine your tolerance for investment risk.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
Learn more about taxes, tax-favored investing, and tax strategies.
There are some smart strategies that may help you pursue your investment objectives
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Using smart management to get more of what you want and free up assets to invest.
Despite recent tax-law changes, many Americans are expected to pay the AMT this year.
Learn how to harness the power of compound interest for your investments.
Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.
Have you found yourself suddenly single? Here are 3 steps to take right now.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Why are 401(k) plans, annuities, and IRAs so popular?