The Householder Group

Investment Advisory Service, Annuities & Retirement Insurance Plans, Financial Planners

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(650) 323-2271Call Visit WebsiteVisit Website Map & DirectionsDirections635 Bryant StPalo Alto, CA 94301 Write a ReviewWrite Review

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

Places Near Palo Alto with Investment Advisory Service

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Newark (14 miles)

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Neighborhood: University South
Other Link: https://www.householdergroup.com
Categories: Investment Advisory Service, Annuities & Retirement Insurance Plans, Financial Planners, Financial Planning Consultants, Financial Services, Insurance, Investment Management, Mutual Funds, Retirement Planning Services

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Phone: (650) 323-2271

Address: 635 Bryant St, Palo Alto, CA 94301

Website: https://www.householdergroup.com

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The Householder Group

Tax Planning
Householder Group provides financial and tax planning as well as investment counseling services. We work closely with the business owner such as the business advisors, accountants, and pension administrators, to help them achieve their financial objectives.
Estate Taxes
Roth IRA
This article discusses how investors can execute Roth IRA conversions with little or no tax liability by combining them with a charitable lead annuity trust (CLAT). A CLAT is an irrevocable trust that pays a guaranteed amount to a charity for a specified period. By creating and funding a CLAT in the same year as the Roth IRA conversion using non-retirement account assets, investors can use the resulting charitable deduction on their tax return to offset the tax on the conversion, potentially achieving a tax-free Roth IRA conversion. However, there are considerations and limitations, such as the 30% of adjusted gross income (AGI) rule and potential administrative complexities when creating multiple trusts.
Tax Deductions
Income Tax
Is a financial professional with extensive knowledge of the life insurance industry and the underwriting process. Certification requires successful completion of eight courses, including several insurance courses, income taxes, estate planning, and several elective courses.

Investment Management
What investment services and advice can you provide me? Our firm primarily offers the following investment advisory services to retail clients: portfolio management via a wrap fee program (we review your portfolio, investment strategy, and investments); financial planning (we assess your financial situation and provide advice to meet your goals); solicitor/selection of other advisers (we select a third party adviser for you to use). As part of our standard services, we typically monitor client accounts on a monthly basis. Our firm offers both discretionary advisory services (where our firm makes the decision regarding the purchase or sale of investments) as well as non-discretionary services (where the retail investor makes the ultimate decision). We do not limit the types of investments that we recommend. Our firm does not have a minimum account size. Please also see our Form ADV Part 2A (“ Brochure ”), specifically Items 4 & 7.
Mutual Funds
At this point, the Fed is no longer a buyer of Treasuries. Pension funds, mutual funds, retail portfolios, institutional portfolios, and an assortment of exchange traded funds have been important domestic buyers. Foreign buyers continue to remain active buyers participating in Treasury auctions, but global central banks have not been as active in Treasury auctions as they once were.
Wealth Management
Michael has partnered with Householder Group because they share his dedication to the same goals and objectives he believes are necessary to achieve successful outcomes for his clients. And like Householder Group, Michael’s focus is on developing and implementing cutting-edge tax strategies, estate-planning techniques, and helping clients manage income and estate taxes. In addition, Michael is able to leverage the availability of Householder Group’s sophisticated investment strategies that enable him to focus on capital preservation and multi-generational wealth management for his clients. Ultimately, Michael wants all of his clients to have confidence in their investments knowing that he is doing everything possible to help them pursue their specific financial goals and objectives.

Accounting Services

Financial Planning
We strive to serve our clients during the financial planning process through deep and meaningful relationships that last for generations.
Retirement Planning
Stephanie holds her Series 6, 7 and 63 registrations through LPL Financial and her Series 66 through LPL Financial and Householder Group Estate and Retirement Specialists. She is also licensed through the state of Arizona for life insurance. In addition to the Chartered Retirement Planning Counselor (CRPC®) designation, she also holds her Certified Divorce Analyst (CDFA®) designation and has helped many clients going through a difficult emotional divorce and assisted them in making the best financial decisions for their future financial goals and objectives.
Annuities
Third Party Costs: Some investments (e.g., mutual funds, variable annuities, etc.) impose additional fees (e.g., transactional fees and product-level fees) that reduce the value of your investment over time. You will also pay fees to a custodian that will hold your assets. For the wrap fee program, you will not typically pay additional transaction fees and thus our advisory fee is higher than if you paid transaction fees separately. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Please also see our Brochure for additional details.
Long Term Care
Colleen is also a certified budgeting, income, and expense coach through Ramsey Solutions, proving her dedication to empowering individuals with the knowledge to manage their finances effectively. Her credentials are further complemented by an *Arizona insurance license, qualifying her in life, health, and certified in long-term care, ensuring she can provide comprehensive advice and support to her clients.
Asset Management
The difference between strategic and tactical investment time horizons can be likened to the ebb and flow of tidal patterns in oceans. Strategic investing mirrors the steady rise and fall of the tides, focusing on long-term goals and expectations more stable akin to the predictable rhythm of oceans. On the other hand, investing in tactical time horizons resembles the dynamic nature of changing tides, responding to short-term market conditions like unpredictable surges and waves in the sea. Here we compare and contrast these two distinct processes and recap our recent strategic asset allocation change.
Asset Protection
Adam Lunceford, who served as Regional Vice President for Householder Group and as a Registered Representative with LPL Financial, has been a stalwart of the financial services industry for over a decade. With an array of securities registrations and licenses, Adam has consistently demonstrated his commitment to developing sophisticated retirement and estate plans, always with an eye toward tax efficiency and asset protection for his clientele. A Montana native and an alumnus of Oklahoma Christian University, Adam has contributed his expertise generously both in his professional role and within his community.

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