In the United States the personal savings rate is less than 5% of income.  It is important to understand we are all responsible for saving for our futures.  An IRA is an Individual Retirement Account and serves as a savings like account that includes tax benefits and a perfect way to put money away for your retirement.  Anyone can contribute to an IRA depending on your taxable income level and other qualifications.  The contribution maybe tax deductible   It is a great idea to put as much as you can, however the contributions limits for 2015 are $5,500 (under 50 years old) and $6,500 (50 and over) (based on full eligibility).  

With IRA’s the savings concept here is two-fold, they are tax deductible contributions and are allowed to grow tax-free prior to withdraw.  The concept is that when you retire after 59 ½ you will, in theory, be in a lower income tax bracket and therefore have tax savings on any withdraws you may take.

In Roth IRA’s the contributions are after tax dollars (exactly like a savings account) with a twist.  Roth IRA’s grow tax free and if withdrawn after 59 ½ completely tax free. Also, principal investments can be withdrawn tax & penalty free at any time.

Inheriting an IRA account can be complicated when navigating the ins and outs of the Required Minimum Distributions.  For instance, if a daughter inherits her father’s IRA she must withdraw a percentage of the assets in the account based on a life expectancy table.  Alternately, a spouse may simply take ownership of the IRA without requirement of inheritance or withdraw.

We have the knowledge to assist you in navigating IRA contributions, distributions, rollovers, inheritances and required minimum distributions (for individuals at age 70 ½ and for non-spousal beneficiaries).

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Social Security Guide

Questions about how Social Security will factor into your retirement planning? Here's some information to get you started - the advisors at Attentive Investment Managers can help with the rest.

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With the easing restrictions of the California Shelter in Place order, we have resumed our normal business hours in the office. As before, we are taking steps to ensure the safety of our staff and clients:

  • Surfaces will be sanitized regularly
  • We have several bottles of hand sanitizer as well as anti-bacterial soap and a sink in the office along with disposable masks should you like one.
  • When possible, we will continue to maintain social distancing and when not possible all the staff has masks.
  • Masks are not required for you to enter our office.
  • We are more than happy to meet with you in office but still maintain the capability for web meetings or telecoms. And as always can be flexible if you require special meeting time accommodations.

Our office hours are:
M-Th 8 a.m. – 4 p.m.
Friday 8 a.m. – 1 p.m.

As always we are available by phone at 209-636-4931 or on email at or