Client First FinancialAn Independent Firm
 
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Frank Horath, Registered Investment Advisor Represenative Financial Advisor
8070 Soquel Dr
Suite 110
AptosCA 95003
Phone: 831-688-9076
Fax: 831-688-9079
Toll-Free: 888-688-9080
Contact Us

Securities are offered through
RAYMOND JAMES
FINANCIAL SERVICES, INC. 
Member FINRA / SIPC

Services


In this turbulent market, you deserve consulting expertise, dedication, honesty, and confidentiality.

Our practice specialties include:

If you're TARGETING RETIREMENT:
      Portfolio STRESStesting & Diversification
      401k evaluations . Retirement Plan Rollovers . IRA . Roth IRA
      Social Security . Retirement Plan Distributions
      Life Insurance & Annuity Review

If you're responsible for MOM & DAD's well-being, we assess:
      How to fund their nursing care; how to fund yours?
      Trust Account Investment Management
      Medicare Coverage/optimization



  • Asset Allocation
    Asset allocation versus diversification - what's the difference?
  • Asset Management
    Discover the benefits of professional asset management.
  • Estate Planning
    Trust services for the preservation of assets and the fulfillment of wishes.
  • Financial Planning
    Your financial future is important. Don't trust it to just anyone.
  • Retirement Planning
    In today's rapidly changing world, retirement planning has never been more challenging. Working with a financial advisor to map a comprehensive, thoughtful retirement strategy and keep it on track is essential to your future well-being.
  • Stocks
    How do stocks fit into my financial plan?
  • Bonds
    Are bonds right for you?
  • 401(k)
    What to expect from your 401(k) advisor.
  • Insurance and Annuities
    Preparing for the unexpected may start with quality insurance alternatives.
  • IRA Rollover
    Evaluate you IRA rollover potential
  • 401k 403b 457 pension
    Retirement plan assessments
  • Tax Sheltered annuities
    Evaluating your retirement annuity
  • Tax Planning
    Prepare for taxes all year round with this handy reference guide.
 

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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