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.
Orchestrating Your Retirement Accounts
Getting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine.
What Is a Roth 401(k)?
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
A Brief Guide To Condo Insurance
Important items to consider when purchasing condo insurance.
What can be learned from the savings rate?
As our nation ages, many Americans are turning their attention to caring for aging parents.
Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.
Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.
Entrepreneurs all face the same question, “Which business structure should I adopt?”
There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estimate how much income may be needed at retirement to maintain your standard of living.
This calculator shows how inflation over the years has impacted purchasing power.
Use this calculator to assess the potential benefits of a home mortgage deduction.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A presentation about managing money: using it, saving it, and even getting credit.
There are some smart strategies that may help you pursue your investment objectives
Learn more about taxes, tax-favored investing, and tax strategies.
Investment tools and strategies that can enable you to pursue your retirement goals.
Principles that can help create a portfolio designed to pursue investment goals.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Smart investors take the time to separate emotion from fact.
Why are 401(k) plans, annuities, and IRAs so popular?
A special needs trust helps care for a special needs child when you’re gone.