1On1 Financial

1On1 Financial Is your wealth protected, tax-efficient & built to last? 1on1 Financial delivers personalized fiduciary planning for business owners, executives & retirees.

Serving SoCal 30+ years. Financial Planning & asset management, Fiduciary

A market drop at the wrong moment can permanently affect your financial plan, even if the market fully recovers. This is...
06/25/2026

A market drop at the wrong moment can permanently affect your financial plan, even if the market fully recovers.

This is one of the most overlooked risks for anyone approaching a major financial transition.

We break down what it is, why it matters, and the strategies that help protect against it.

Read the full blog post here: https://www.1on1financial.com/blog/what-happens-if-the-market-drops-before-retirement

We're officially past the halfway point of the year. For many people, that means taxes, markets, and life goals have alr...
06/22/2026

We're officially past the halfway point of the year.

For many people, that means taxes, markets, and life goals have already shifted since January.

Here are 5 areas worth reviewing before the end of the year sneaks up on you:

1. Retirement contributions: Are you maximizing your 401k or IRA for the year?
2. Investment allocation: Has market volatility pulled you off your target mix?
3. Tax planning: Is your withholding still accurate? Any events that might change your tax picture?
4. Beneficiary designations: Marriage, divorce, new children, or a loss in the family all warrant a review.
5. Your plan itself: Do your financial goals still reflect where you want your life to go?

A midyear review is one of the simplest ways to stay ahead. Not sure where to start?

We wrote a blog outlining what steps you can take now: https://www.1on1financial.com/blog/midyear-financial-check-in

Our office is closed today Friday, June 19 in observance of Juneteenth. We look forward to connecting with you when we r...
06/19/2026

Our office is closed today Friday, June 19 in observance of Juneteenth.

We look forward to connecting with you when we return on Monday, June 22.

Wishing you a meaningful holiday.

Many people spend years focused on saving for retirement, but give little thought to how they'll actually withdraw their...
06/15/2026

Many people spend years focused on saving for retirement, but give little thought to how they'll actually withdraw their money.

The reality is that where your income comes from, when you take it, and how taxes factor in can have a significant impact on your retirement lifestyle.

A thoughtful withdrawal strategy can help bring more clarity and confidence to your retirement plan.

If you haven’t had time to think about your options, we’d be happy to walk you through what they are: https://www.1on1financial.com/contact

For many clients approaching or in retirement, downsizing isn't a step back. It's a strategic move forward.Here's when i...
06/09/2026

For many clients approaching or in retirement, downsizing isn't a step back. It's a strategic move forward.

Here's when it makes financial sense:

• Your equity could generate more income elsewhere
• Reducing fixed costs extends how long your portfolio lasts
• The kids are gone, and so should the overhead
• You can lock in gains before the market shifts
• It reshapes your retirement income plan in your favor

The right move isn't always staying put. Sometimes the smartest thing you can do is right-size your life and put that capital to work.

Wondering if it makes sense for your situation? Let's talk it through. https://www.1on1financial.com/contact

You’ve probably heard the term “fiduciary.” But what does it actually mean for you?At its core, it means your advisor is...
05/28/2026

You’ve probably heard the term “fiduciary.” But what does it actually mean for you?

At its core, it means your advisor is legally required to act in your best interest, every recommendation, every time.

Not what’s convenient. Not what’s profitable. What’s right for you.

That might sound obvious. But not all financial professionals are held to this standard.

And over time, that difference can significantly impact how your wealth is built, protected, and passed on.

For us, fiduciary isn’t just a designation; it’s how we’ve operated for over 30 years.

We break it down here: https://www.1on1financial.com/blog/what-fiduciary-really-means

As Memorial Day weekend approaches, we pause to remember those who gave everything for our freedom.However you spend the...
05/22/2026

As Memorial Day weekend approaches, we pause to remember those who gave everything for our freedom.

However you spend the weekend, we hope it includes a moment to reflect.

Our office is closed Monday, May 25th and will reopen Tuesday, May 26th.

Retirement isn't just an age; it's a number, a plan, and a feeling of confidence. Before you hand in your notice, ask yo...
05/19/2026

Retirement isn't just an age; it's a number, a plan, and a feeling of confidence.

Before you hand in your notice, ask yourself:

1. Do you know exactly where your income will come from?
2. Have you stress-tested your plan against inflation and market shifts?
3. Is your tax strategy built for retirement withdrawals, not just accumulation?
4. Do you have a healthcare plan that bridges the gap to Medicare?

If you hesitated on any of those, you're not alone.

We can help you answer these questions with clarity and confidence, so retirement feels like freedom, not a leap of faith.

Schedule a call with us: https://www.1on1financial.com/contact

Most people spend years building wealth and not enough time thinking about how to turn it into reliable income in retire...
05/15/2026

Most people spend years building wealth and not enough time thinking about how to turn it into reliable income in retirement.

The two require very different strategies.

A few things that tend to get overlooked:

• Sequence of returns risk. A market downturn early in retirement can do more damage than one later, even if the numbers look the same on paper.

• Taxes on withdrawals. A large pre-tax retirement account isn't worth what the balance says. What you keep after taxes is what matters.

• Healthcare costs. These tend to increase significantly as you age and can derail an otherwise solid income plan.

• Inflation over time. A plan that works at 65 needs to still work at 80. Most don't account for that gap adequately.

The goal isn't just having enough saved. It's making sure the income lasts.

We’re here to help you with that.

Address

818 N Mountain Avenue Suite 200
Upland, CA
91786

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 2pm

Telephone

+19099811720

Website

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