Upland Financial Planner

Services for Real Estate Pros with Serving Upland, Covina, LA & Inland Empire

Upland Financial Plan, Upland Retirement PlannerIn looking for a Financial Planner in Upland, first we need to consider what it means to have someone that can help you to create a diversified financial plan.

What does it mean to have a diversified financial plan? We hear all the time from Mutual Fund Managers  and investment Advisors that all we need to do for the proper financial plan is to have a proper allocation of funds, stocks, and cash, and we'll be ok. Is that really the whole truth?

The reality is that our financial web is interconnected and one part affects the rest. In Upland, as with all of Southern California, our mortgages affect our Retirement, and our Retirement affects how we will fund our life insurance policy. One thing affects the other. We cannot think of our individual decisions as islands all to themselves.  Proper financial planning in Upland involves thinking about our finances as a whole and making decisions accordingly.

For those that felt that their home was their greatest asset, thus pouring all of their extra dollars into a mortgage that would not earn them an income in the future, many felt the ground beneath them give way during the Housing Crisis, and they haven't recovered since. At the same time the bursting bubble all but decimated their investment portfolio and they are left wondering... "Why did this happen? I thought my assets were diversified?" 

Eggs in one basket, Diversification, diversified assets

While many at this point believe that this is just the way it had to be for everyone, I want to assure you, that is NOT the case. True diversification in it's most core state is defined by the fact when one investment suffers loss, an adjacent invesment does not sustain the same loss. In fact, during such times, your adjacent invesments may even GAIN value.

Because of this, it is important that when we choose a financial planner in Upland we should have the confidence that he/she is well versed in all of these areas and can service our needs accordingly. Visit www.josiahknows.com to learn more about what Josiah can do for your financial plan in the upland area.

Comments (5)

Evelyn Kennedy
Alain Pinel Realtors - Alameda, CA
Alameda, Real Estate, Alameda, CA


Welcome to ActiveRain.  This is really important information for everyone.  We have diversified our holding since the crash.  At that time we were heavily invested in bank stock.  Big mistake.  We have learned our lesson and are approaching the point we were at before the crash.  We have learned our lesson.

Mar 14, 2012 08:29 AM
Josiah Salser
Serving Upland, Covina, LA & Inland Empire - Covina, CA
Financial Consultant in Southern California

Evelyn: Thanks for the welcome! You're not alone. Many were in the same boat. As you plan your diversification, think about putting at least a portion of your assets into some type of fixed product as well. In such a volatile economy, we need to have guaranteed minimums on potential losses. Zero is our hero, in a fluctuating economy.

Mar 14, 2012 09:51 AM
Todd Clark - Retired
eXp Realty LLC - Tigard, OR
Principle Broker Oregon

Welcome to Activerain and I hope you are learning a lot and if you ever need any assistance, don't hesitate to check out my blog, email me, call me, I will be glad to help you in any way possible. Also, check out the main page of Activerain and look for the Activerain University tab, there are lots of educational webinars to help you build your business.

Mar 14, 2012 11:42 AM
Josiah Salser
Serving Upland, Covina, LA & Inland Empire - Covina, CA
Financial Consultant in Southern California

Thanks Todd, will do. I've looked at some of the webinars already, good stuff.


Mar 15, 2012 03:34 AM
Ken's Home Team LLC. | 360.609.0226 | Portland, OR & Vancouver, WA Real Estate Team
Ken's Home Team LLC. - Vancouver, WA

I wanted to say hello and CONGRATS!!! On joined ActiveRain, You have made a GREAT Choice!!!!!  I have been a member for over 2 years now and it has been amazing for me and my business check out my blog. I would like to add you to my network Check out my Profile and Please add me to your network and I will ad mine to yours, also, if you need any help please feel free to call me or email me.  I offer this because I also want to get to know you and when I have a referral I know a person in your city so I can send YOU Business!

Again, feel free to contact me if you need any help with ActiveRain.

Thank you,

Mar 29, 2012 01:04 AM