Mailing Address: Physical Address:
P.O. Box 41664 5012 Palm Ave
Sacramento, CA 95841 Sacramento, CA 95841
Email: JosephJr@FirstCapitalFin.com
Tel: 916-338-1345
Fax: 916-338-3886
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YOUR GOALS ARE OUR GOALS,
Our Mission at First Capital Financial Services is to help client's navigate their way through the complexities of an ever-changing financial world. Our approach begins with listening to our clients' and helping them identify their financial goals. From there, we help our clients' develop a complete strategy to meet these goals through innovative, integrated financial solutions. Every solution and recommendation includes our commitment to charting our clients' financial futures. FCFS specializes in implementing financially integrated products, which achieve our client's goals while providing a tax avoidance philosophy.
We focus on two main areas: Wealth Management and Risk Management.
FCFS is a State Registered d/b/a, Endorsed Sacramento County Clerk file #0705072 current to 05/01/2012 (Updated 07/03/2008).
Our Wealth Management (WM), approach focuses on Accumulation -- Preservation and Distribution, based on sound financial principles, which eliminates guesswork. We use complex financial planning tools to minimize the risk to each dollar within our clients' savings/retirement fund. While utilizing several indexing ratchet methods and combining them to create the mathematically optimal nest-egg for each client. This ensures every client has a method of capturing gains from a market or markets suited to their specific needs.
Risk Management (RM), is the human activity which integrates recognition of risk, risk assessment, developing strategies to manage it and the mitigation of risk. The strategies include transferring the risk, avoiding the risk, reducing the negative effect of the risk. Our Risk Management (RM) approach to our client's financial well-being, involves using the industry’s leading analytical tools. Using these complex sciences of RM, theory and correlation analysis, we limit the risk to our client’s with the use of structured insurance solutions.
A Insurance/Financial Professional can help you:
1) Define your financial goals and assess your current situation.
2) Evaluate your risk tolerance.
3) Help invest in the product that best fits your needs.
4) Adjust the plan as your needs change.
* Asset Protection,
* Business Continuation Planning,
* Capital Maximization Strategy
* Business Valuation,
* Estate-Tax Liquidity Needs; ILIT,
* Life Insurance-Income Replacement Protection,
* Annuities Fixed & Equity Index (EIA),
* Generation Planning, Stretch-IRA,
* Tax-Qualified Long Term Health Care,
* Bookkeeping,
* And/Or Retirement Planning...
Life Insurance: can provide you and your family with peace of mind NOW and flexible cash accumulation options FOR A LIFETIME. Is your Family Secure? If your family were to unexpectedly lose you, how would their life styles be affected?
* A fatal accident occurs every 16-minutes, approximately 565,000 new heart attacks and 700,000 strokes will occur this year.
* Would your spouse continue to work or, "retire" to raise your children?
* Would your debt be paid off? * What about college expenses?
* Adjustable/Universal/Term Life provides an immediate estate paid directly to ---your beneficiaries which can:
* Pay for funeral and final expenses!
* Help pay-off outstanding debt!
* Be invested to create continuous family income! Life Insurance provides a tax-deferred cash accumulation fund which can: * Provide cash for emergencies.
* Help pay for college.
* Supplement retirement income.
Disability Insurance: The only thing worse than being disabled...is not being able to afford it! Accidents and illnesses can unexpectedly prevent you from earning a living. Have you ever thought about what you would do if you were unable to work because you were totally disabled due to an Injury or Sickness? What are the chances that you may suffer a disabling injury?
* There is a disabling injury every 4 seconds hour.
* Americans experienced 41.1 million disabling injuries in 2005.
* 6.1 million American workers suffered disabling injuries while on-the-job in 2005.
* At age 32, a disability of 3 months or longer, is 6 times more likely to occur than death.
Licensed in California since 1999, starting in the Financial Service Industry in the Chicagoland area 1986. Additional Licensing: Illinois 1997 & 1998, Illinois 1988 to 1990, California 1988 to 1992.
FCFS, looks forward to servicing your needs.
NOTE: For those of my client's that would like to have their special moment or a toddler's birthday posted on 1 of the 5 web pages please forward the picture (5X7 no larger) to the P.O. Box. California Lic. # 0C52178
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