Calbay Investments

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(925) 743-3360Call Visit WebsiteVisit Website Map & DirectionsDirections500 La Gonda Way Ste 280Danville, CA 94526 Write a ReviewWrite Review

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Regular Hours

Mon - Fri:	9:00 am - 5:00 pm

Places Near Danville with Financial Planning Consultants

Alamo (3 miles)
Diablo (4 miles)
San Ramon (6 miles)
Bishop Ranch (6 miles)
Walnut Creek (10 miles)
Moraga (11 miles)
Lafayette (12 miles)
Clayton (14 miles)
Pleasant Hill (14 miles)

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Extra Phones

Phone: (510) 524-1621

Phone: (925) 837-3837

Phone: (925) 743-3363

Fax: (925) 743-3363

TollFree: (800) 722-4829

Payment method

cash

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Calbay Investments Inc

Calbay Property Investments

Other Links

https://www.calbayinvestments.com

http://calbayinvestments.com

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Financial Planning Consultants, Accounting Services, Financial Planners, Financial Services, Investment Advisory Service, Investment Management, Retirement Planning Services, Tax Return Preparation, Taxes-Consultants & Representatives

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Phone: (925) 743-3360

Address: 500 La Gonda Way Ste 280, Danville, CA 94526

Website: https://www.calbayinvestments.com

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Calbay Investments

Tax Planning
The information provided is not intended to be a substitute for specific individualized tax planning or legal advice. We suggest that you consult with a qualified tax or legal advisor.
Charitable Giving
Ensuring that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals
Avoiding Probate
You may also want to discuss possibly moving assets out of a living trust (where a trustee holds them, a technique sometimes used to avoid probate) and holding them in the name of an individual.
Tax Services
CalBay Investments and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation
Roth IRA
By knowing your adjusted gross income (AGI) and top marginal tax rate, you're better able to maximize the impact of your retirement contributions based solely on their tax status. Contributing to a traditional IRA or 401(k) can help reduce the amount of your gross income that is subject to tax, while contributing to a Roth IRA or 401(k) can allow you to pay taxes now and benefit from tax-free growth later.
Tax Deductions
4 Like other 2020 tax deductions and credits, these contributions must be made during the 2020 calendar year in order to be deductible.
Income Tax
Anyone with an IRA, 401(k), 403(b), 457, Simple IRA, or SEP IRA must begin withdrawing from these accounts at some point. These withdrawals, which are computed using the applicant's age, life expectancy, and the total balance of the account, are known as RMDs, and are subject to income tax.
Tax Deferral
The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 1/2 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.
Capital Gains Taxes
This discussion will weigh the income tax benefits of a step-up in cost basis, the original cost of an asset, versus other reasons to keep the trust. (“Step up” means that the cost basis of an asset resets to the fair market value of the security as the date of the holder’s death - potentially a much higher value than when they bought the security.) The higher the cost basis, the less capital gains tax your heirs pay when they sell the asset.

Investment Management
At CBI, we recognize the importance of our responsibility to provide you with prudent investment management and objective advice. As independent advisors we focus solely on serving your needs and acting in your best interest at all times. This provides you with the confidence you seek to pursue financial success on your terms.
Wealth Management
At CalBay Investments, Inc. (CBI), we hold ourselves to the same high standards our clients expect from a leading wealth management firm. Since 1990, we have focused on developed longstanding client relationships built on integrity, trust and mutual respect. Many of our clients have been members of the CBI family for more than 20 years and we are pleased to welcome future generations now joining the CBI family.

Accounting Services

Financial Planning
Financial planning is at the very core of the life planning services we provide to individuals and families seeking to build, preserve and manage wealth over time.
Retirement Planning
A Keogh plan, or a tax-deferred pension plan that's available to unincorporated businesses or the self-employed, allows contributions of up to $57,000 per year—far more than the $19,500 that can be contributed to a traditional 401(k).
Long Term Care
There is a good possibility that you or your spouse will eventually require some form of long-term care (LTC). According to the Centers for Medicare & Medicaid Services, at least 70% of people aged 65 or older will require some form of long-term care services and support during their lives.
Asset Management
The end of the year can be a good time to take stock of your holdings and rebalance them if necessary. You may find that the rise in certain sectors (like tech) and decline in others (like energy) has skewed your asset allocation; selling certain over performing holdings and reinvesting these proceeds according to your desired asset allocation can help bring your portfolio back into line. Before selling stock (and potentially incurring capital gains in the process), you may want to sketch out a rough draft of your federal income tax return to see whether your proposed stock sale will be enough to potentially move you into a higher tax bracket.
Living Trusts
College Funding
Retirement income planning, education planning, tax and estate planning, and risk management services are components of a larger, more comprehensive financial plan designed to help you pursue multiple financial and lifestyle goals. Your plan also includes strategies for providing for your heirs and defining the legacy you choose to leave.

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