DISCOVER WHAT'S 
    POSSIBLE
FOR 
       YOUR RETIREMENT

WHAT I DO

WHY I'M DIFFERENT

A successful future requires a predictable plan.
Discover what's possible. 

Retirement

Risk Tolerance

Social Security

Medicare

Insurance

Annuities

Welcome

If you’re new to this website let me help you get started.

First, let me tell you a little about me.

I’m Craig Colley from Chicago, Illinois. I moved to California in 1977. I am married, have a remarkable son and daughter-in-law and four incredible grandkids. I have the privilege of getting up every morning and do my best to make a positive difference in someone's life. 

I love what I do and believe it is one of the main reasons why I'm here on God's green earth. (Although they call it blue from space). I started my business back in 1981 and through the years my company has evolved into what it is today.

I primarily work with risk-averse individuals and business owners who are looking to receive a steady income stream after retirement and maximize their Medicare and social security benefits. My focus, specialty and passion is helping people that are nearing retirement in the next 5 to 10 years (or recently retired) with these common issues most people face. 

Retirement Anxiety: Have I saved enough money to live comfortably for the rest of my life?  

Social Security Stress: When to take my benefit? What are my options?

Medicare Health Plan Dilemma: What age, plan and carrier? What are the costs?

Long Term Care Quandary: It costs too much but I know I’ll probably need it? How can I afford it and am I healthy enough to qualify?

Market Volatility Risks: What are the available options to help protect me from a highly volatile stock market? How do I keep up with inflation over a potential 20-30 year retirement?

401(k) Rollover:  How do I rollover my 401(k) when I retire? Can I reallocate some or all of my 401(k) now?

Annuity Apprehension:  Are annuities a good deal or bad deal? I have heard they are what social security and pensions are based on. I like those so how can they be bad?

Do I still need Life insurance? Do I keep or cancel my plan or start a new one? Should it be Term, Whole or Universal life?

To assist you with these questions I have designed this website to be an extensive free resource for you, your family and possibly your business as well.

I have posted many articles addressing these topics.
Below are a few samples to check out:

How Much Cash Should I Keep in the Bank?
​How Much Cash Should I Keep in the Bank?Article from Tim Parker, Financial journalist clearly explains what the majority of Americans[...]
The 401(k): Robbing Americans for 40 Years Now
​Why the 40th birthday of the 401(k) is nothing to celebrateThis article from Robert Kiyosaki, author of Rich Dad, Poor Dad (sold[...]
How to Stay North When the Market Goes South
Today I spoke with several clients and friends and most of them lost money in the market...again. So how do[...]
Color of Money Risk Analysis
The Color of Money Risk Analysis assesses your financial picture and provides a roadmap to your overall risk preferences. The[...]
Do I Need Life Insurance?
Life insurance has several purposes. Its most important function is to replace the earnings that would cease at the death[...]
Social Security for Married Couples
Social Security Claiming Strategies for Married Couples 1Deciding when to begin receiving Social Security benefits is a major financial issue for anyone[...]
Course Corrections to Consider
Retirement planning course corrections to consider4It’s no secret that millions of Americans are approaching their retirement years with meager savings[...]
Get a Bigger Social Security Benefit
How to Get a Bigger Social Security Retirement Benefit  1Many people decide to begin receiving early Social Security retirement benefits. In[...]
How Earnings Affect Social Security
How Earnings Affect Social Security 1If you begin to receive Social Security retirement (or survivor's) benefits before you reach full[...]
Bridging the Gap
Resolving Projected Income Shortfalls: Bridging the Gap  1 What is a projected income shortfall?When you determine your retirement income needs,[...]
Which Birthdays Are Financial Milestones?
Quiz: Which Birthdays Are Financial Milestones?  4When it comes to your finances, some birthdays are more important than others. Take[...]
Protect Yourself Against Identity Theft
Protect Yourself Against Identity Theft  1 Whether they're snatching your purse, diving into your dumpster, stealing your mail, or hacking[...]
Handling Market Volatility
Conventional wisdom says that what goes up must come down. But even if you view market volatility as a normal[...]
Alternatives to Low Paying Bank CD’s
In a time when many financial experts are predicting another major correction in the stock market, there is a safe[...]
Focus on Women’s Needs
How different are we?Studies reveal stark differences when making financial decisions.Women have different needs than men when it comes to[...]


Your Next Step...

The Better Way to Plan for Retirement

Discover how easy it can be to make critical retirement decisions once you have the tools!

I have a monthly newsletter and also host live seminars and workshops as well as online webinars.
Click here to attend.

If you have any questions, please call or text (949) 216-8459 or use this secure contact form. I usually respond the same day.

Craig