PETER MU, CFP® CHFC®
  • Why we plan
  • Personal
  • ENTREPRENEUR
  • Modern Family
  • Who we are
  • Process / Pricing

Bringing all the pieces of your financial life together

Family is the basic unit for our society, and financial planning for sufficient cash flow today and in retirement, is the key to success.  You’ll find that our conversations go above and beyond just asset allocations.  Our conversation is based on cash flow with a focus on producing highest possible net after-tax retirement income with high degree of certainty.

​Benefits of planning

As more asset accumulate over time it is often not possible to consistently find the time to balance both family life and fully research all investment options.  When you are financially responsible for those you love, it is often beneficial to engage a financial planning professional to bring clarity to your finances, develop clearly defined long and short term goals with a strategy to bring them all to reality.

• Calculate your net worth
• Avoid financial setbacks
• Deal with major life changes
• Avoid debt and credit problems
• Decide where to put your money 

​

Asset Protection 

        Insurance review
​        Emergency funds
        ​Employee benefit maximization

Investment planning

        Stock grants, options, and ISOs.
​        Integration of real estate assets
        Capital needs analysis
        Asset allocations
        ​Risk management

Tax Considerations

        Tax diversifications
        Current and deferred tax liabilities
        Managing life’s two certainties
        ​Reduce tax burden

Retirement planning

        Distribution planning
        Retirement plan optimization
        Aging and elder care
        ​Risk reduction

College Planning

        Understanding scholarships and financial aid
        ​Advanced strategy beyond 529 plans

Estate Planning

        Trusts and wills review
        Beneficiary designations
        Life-time gifting strategy
        Inheritance and other windfall 
        Charitable planning
Complementary copy of CFP Board Consumer Guide to Financial Planning
File Size: 2466 kb
File Type: pdf
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Intention and outcome

        Clarity in pursuit of your financial goals
        Financial Prudence and Mastery
        Educated decision making process
        Maximized wealth building potential
        Intelligent long term tax strategy
        Coherent and Strategic Preparation 
        Freedom of choice 
        ​Achieve and Maintain Financial Balance

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Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 3585 Maple Street, Suite 140, Ventura, CA 93003, 909-399-1100. PAS, a wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY.
PETER MU, CFP® ChFC® is affiliated with Pacific Advisors LLC., a financial and estate services firm.  Pacific Advisors is not an affiliate or subsidiary of PAS or Guardian. ​Guardian, its subsidiaries, agents, and employees do not give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation. CA insurance license 0E19513
References to other organizations such as PawPrints, and Big Brother Big Sisters are provided as a convenience and not meant to be a recommendation.
Important Disclosures   2020-93766  Exp 01/22
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  • Why we plan
  • Personal
  • ENTREPRENEUR
  • Modern Family
  • Who we are
  • Process / Pricing