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.
Four Great, Unexpected Places to Raise a Family
Here are 4 great, and sometimes unexpected, places to raise a family.
Trends in Charitable Giving
Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.
TIPS for Inflation
If you are concerned about inflation and expect short-term interest rates may increase, TIPS could be worth considering.
Taking regular, periodic withdrawals during retirement can be quite problematic.
The tax rules that govern donating art are complex and confusing. Take a closer look.
Thanks to the work of three economists, we have a better understanding of what determines an asset’s price.
Maintaining a healthy lifestyle can help you reduce health-related expenses—and avoid time in the recovery room.
Estate tax exemptions rules appear to be stabilizing, prompting many to reconsider conventional estate strategies.
A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Use this calculator to better see the potential impact of compound interest on an asset.
This questionnaire will help determine your tolerance for investment risk.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Principles that can help create a portfolio designed to pursue investment goals.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are some key concepts to understand when investing for retirement
There are some smart strategies that may help you pursue your investment objectives
Using smart management to get more of what you want and free up assets to invest.
It’s never a bad time to speak with your financial advisor about changes in your situation.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
Have you explored all your options when it comes to managing your taxable income?
The market is as unpredictable as the weather. We’d love to help you prepare.
Around the country, attitudes about retirement are shifting.