Carruthers Brian & Associates

Investment Management, Financial Planners, Financial Planning Consultants

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Today: 9:00 am - 5:00 pm

Tomorrow: 9:00 am - 5:00 pm

(949) 464-1900Call Visit WebsiteVisit Website Map & DirectionsDirections301 Forest AveLaguna Beach, CA 92651 Write a ReviewWrite Review

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Hours

Regular Hours

Mon - Fri:	9:00 am - 5:00 pm

Places Near Laguna Beach with Investment Management

Laguna Niguel (7 miles)
Aliso Viejo (8 miles)
Laguna Hills (10 miles)
Corona Del Mar (10 miles)
Dana Point (12 miles)
Mission Viejo (12 miles)
San Juan Capistrano (12 miles)
Ladera Ranch (14 miles)
Lake Forest (14 miles)
Irvine (15 miles)

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General Info

A "FEE only" Independent advisory firm with over 30 years experience.

Email

Location

Village Business Ctr

Neighborhood

AKA

Brian Carruthers & Associates

Other Links

http://www.gobcafunds.com

https://www.gobcafunds.com

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Investment Management, Financial Planners, Financial Planning Consultants, Financial Services, Investment Advisory Service, Investments, Stock & Bond Brokers

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Details

Phone: (949) 464-1900

Address: 301 Forest Ave, Laguna Beach, CA 92651

Website: http://www.gobcafunds.com

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Carruthers Brian & Associates

Estate Taxes
Roth IRA
If your income is likely to take a hit in 2020 due to the coronavirus pandemic and you have a sizeable balance in a tax-deferred IRA, this may be a good year to consider a Roth IRA conversion. In some states, unemployment is not considered taxable income (make certain you understand your state’s rules), which may also help keep your taxable income low.
Income Tax
While the rate of inflation may be moderating, it is still causing multiple changes in everything from Social Security and benefit programs to retirement plans, income tax brackets and estate tax exemptions. Effective 2024, the contribution limit is $7,000, with an annual $1,000 catch up contribution for individuals over 55. This article highlights changes to retirement plan contributions from IRAs and 401(k) plans to SIMPLE IRAs.
Tax Return Preparation
Death and taxes may be inevitable, but death only comes once. Taxes are a daily part of life, particularly each April when the pain of tax return preparation is fresh in our minds. Which makes this a good time to look at how to reduce the tax bite on investment earnings.

Investment Management
SINCE 1990, BRIAN R. CARRUTHERS & ASSOCIATES HAS OFFERED PROFESSIONAL INVESTMENT MANAGEMENT DESIGNED TO ACHIEVE RETURN OBJECTIVES WITH THE LEAST AMOUNT OF RISK
Mutual Funds
My investment approach is a blend of technical analysis based on proprietary, trend-following models, and individual investment selection, focusing on top performing no load mutual funds. I believe successfully managing money is an art – balancing risk and return through the combination of technical analysis to understand the market’s trend and market experience. You need the experience of investing through multiple bull and bear cycles to have confidence in your investment approach and to be able to objectively evaluate current market conditions. Today, my firm manages more than $70 million for clients and is a third-party adviser to Registered Investment Advisers throughout the U.S. The Paladin Registry of Advisors, an independent and objective rating service of independent advisors, has given Brian Carruthers & Associates a 5-star rating, a standard achieved by fewer than 10% of Paladin-rated advisors.
Bonds
Money Market Funds
This portfolio is a “tactically” managed bond portfolio which invests 100% in bond mutual funds, such as treasury, government, corporate (including high yield bonds) and international bond funds. Money market funds may also be utilized during defensive periods.

Accounting Services

Financial Planning
“Life is what happens to you while you’re busy making other plans.” The one thing we can count on in the future is that there will be surprises. In financial planning, as in all aspects of our life, we must build in flexibility, i.e. the mental capacity to adjust when life happens outside of our planning zone.
Retirement Planning
It’s no secret that many government pension funds are underfunded by a massive $5 – $8 trillion dollars. But pension plan problems don’t stop there. Many multiemployer pension funds, which are governed by collective bargaining agreements between a group of employers and a union, are also underfunded. These pension funds cover some 10 million workers and retirees, including bricklayers, musicians, miners, steelworkers, roofers and truck drivers. According to the
Long Term Care
Ideally, we will all grow old, given the alternative is dying too young. But preparing for the day we will be old is hard. In fact, most people prefer to avoid thinking about aging until they are face-to-face with reality, which can be too late if they need long-term care and are unprepared financially for the cost.
Asset Management
In 1994, after the memory of the ’87 market had faded, I introduced equity exposure to client portfolios through my Income & Growth strategy, which offers more opportunity for appreciation through an active allocation of up to 40% equities, with the ability to move as much as 100% of the portfolio to bonds when market conditions warrant. The Momentum portfolio, which followed, is a true dynamic asset allocation approach that looks for positive momentum across equity sectors, selecting the best funds based on relative strength, chart patterns and Sharpe ratios.

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