Personal Finance Solutions Christine D. Forristall The chief concern amongst today’s retirees is having enough money to live comfortably. A reverse mortgage may be the answer you’ve been looking for: Attention CD owners! OUR GUARANTEED RATES ARE HOT! 100% Insured Even Above $250,000! 3-Years: 2.10% APR Compound interest may grow tax deferred! 4-Years: 2.35% APR Available for IRAs, Roth IRAs, 401(k) Rollovers, Non-Qualified Funds and More! 5-Years: 2.85% APR LEAVE YOUR LOW RATES BEHIND! NO MARKET VOLATILITY! Call now (510) 412-1040 6-Years: 2.90% APR 7-Years: 3.20% APR Serving individual and business TAX clients for over 25 years. 30 MARKETPLACEcontracosta.com January 2016 Financial Advisor Vice President - Investments CA Insurance Lic # 0B84997 Wealth Brokerage Services 1374 Fitzgerald Drive Pinole, CA 94564 Direct: 510-243-7470 Fax: 925-296-3680 Cell: 510-368-4703 Toll Free: 800-345-7216 Wells Fargo Advisors, LLC Member FINRA/SIPC is a registered broker-dealer and separate non-bank affiliate of Wells Fargo & Company. Insurance products are offered through our affiliated non-bank insurance agencies. Home Equity Conversion Mortgage Program Available to eligible homeowners 62 and older No required monthly mortgage payments* Eliminate existing mortgage payments FHA insured loan Flexible payout options You retain ownership Improve monthly retirement cash ow Increased exibility and choices * borrower must maintain home as primary residence and remain current on property taxes and insurance. Russell Doi Reverse Mortgage Specialist NMLS #328048 510.305.9476 Synergy One Lending, Inc. d/b/a Retirement Funding Solutions NMLS 1025894. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - California License 4131356. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. Valuable protection for your pet! Petplan Pet Health Insurance have you heard? Contact us now for 10% discount. For more information or to get a quote, please call Linda Nigma Get a 15% employee discount! Go to www.PetplanBenefits.com at M.A. Hays Co. (510) 235-0353 x17 SEE HOW YOU COULD SAVE M ONEY AND GET BETTER INSURANCE FIND OUT ABOUT THE AARP® AUTO & HOME INSURANCE PROGRAM FROM THE HARTFORD As your local Hartford independent agent, we can show you how to save even more when you bundle your auto and home insurance together! Call for your free, no-obligation quote: M A HAYS CO Nico Veran xt 19 Maria Delgado xt 21 232 Broadway RICHMOND , C A , 9 4804 Nico@mahays.com Maria@mahays.com www.mahays.com CA License #0094750 510-235-0353 The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford CT 06155. CA license number 5152. In Washington, the Auto Program is underwritten by Trumbull Insurance Company. The Home Program is underwritten by Hartford Underwriters Insurance Company. AARP does not employ or endorse agents or brokers. AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. Applicants are individually underwritten and some may not qualify. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. You have the option of purchasing a policy directly from The Hartford. Your price, however, could vary, and you will not have the advice, counsel or services of your independent agent. PLA038-1 George A. Egan Certified Financial Planner Call now! (510) 412-1040 3150 Hilltop Mall Road, Suite 60, Richmond, CA 94806 www.corcapsys.com Disclosure: Certificates of Deposit are FDIC Insured. These advertised rates are subject to change. Advertised rates are for guaranteed fixed rate annuities and are insured by the issuing insurance company. Annuities are not bank products. They are a financial contract between you and the insurance company. Insurance companies are required to maintain strict solvency ratios and are monitored by the state department of insurance. Fixed annuities are considered to be extremely safe. CA Ins. Lic. #0719862 We’ve teamed up with Petplan to bring you pet health insurance! Terms and conditions apply. See PetplanBenefits.com for more details. Also: Pet Groomer’s Business Insurance We offer comprehensive package policies designed for the pet grooming industry that include Pet Groomer’s Professional Liability and Animal Bailee coverage.
Contra Costa Marketplace - Jan 2016
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