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143 East Napa Street
Sonoma, CA 95476
(707) 996-8100

The Cycle of Investing The Facts About Income Tax The Cost of Procrastination Estate Management 101

 

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.

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Four Reasons Millennials Need an Estate Strategy

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Yours, Mine and Ours: Estate Strategies for Second Marriages

Second marriages are a trigger event to revisit any existing estate strategies.

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Can I Refinance My Mortgage?

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Inflation & Retirement

Estimate how much income may be needed at retirement to maintain your standard of living.

Historical Inflation

This calculator shows how inflation over the years has impacted purchasing power.

Federal Income Tax

Use this calculator to estimate your income tax liability along with average and marginal tax rates.

What Is My Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.

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An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

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Investments

You’ve made investments your whole life. Work with us to help make the most of them.

Retiring the 4% Rule

A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.

Choosing a Mortgage

Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.

Suddenly Single: 3 Steps to Take Now

Have you found yourself suddenly single? Here are 3 steps to take right now.

Exit Strategies of the Rich and Famous

Estate conservation is too important to put off. Do you have a smart exit strategy?

Can Election Results Predict the Market?

How do the markets usually react to elections? Was the 2016 election any different?

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