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


Risk Tolerance

Social Security





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[...]

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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.