Mandy & Garrett Financial Services

12/17/2025

Considering putting money into a "Trump Account" for your kids or grandkids? Make sure you know all your options first. Not surprisingly, there are smarter ways to invest in your children's future, with fewer restrictions and more benefits than a government fund like this.

04/15/2025

Hey parents—got dreams (and diapers) to pay for? 💸👶
It’s never too early to start saving for your kiddo’s future! Sure, the 529 plan gets all the attention—but did you know there’s a cool alternative that gives you more flexibility (and less “college-or-bust” pressure)?

Think outside the piggy bank. 🐷✨ Your mini-me’s future is wide open—and your savings plan should be too!

04/05/2025

This is a prime example of “sequence of returns” – something very few people consider, but we work on with ALL of our clients. When you reach retirement, you can’t afford to have your retirement nest-egg wiped out by a market downturn. We help ensure your gains are locked in and protected from market risk, with the end goal of never outliving your money.

Some are changing their spending habits while others are worried about their future quality of life.

03/31/2025

It's gonna be a bumpy ride. If there were a way to lock in your gains and still capture market upside, would you want to know about it? (Hint: there is, and we can teach you.)

Trump has promised to roll out an aggressive trade-duties regime against most U.S. trading partners.

03/04/2025

FAQs by parents:
1. How much can I afford to pay for college?
2. Will my child be eligible for financial aid or scholarships?
3. How much should I be saving for college and when should I start?
4. How do I find the resources to pay for college?
5. How can I pay for college without jeapordizing my retirement?

Let us help you find the answers to these questions!

01/31/2025

We won’t pretend to predict market trends, but we WILL say that it’s a no-brainer to limit your risk. If you have a 401k from an old job, 457 plan, IRA, or similar, there are options that capture market upside with protections against market downturns. Reach out if you’d like to know more.

"Each and every bubble ends badly, and this one will be no different," Albert Edwards warned.

01/07/2025

To all the parents out there! This new report says that today's newborns will not have enough money in retirement. Would you be interested to learn about an alternative that allows you to save money for college and help your children avoid future debt?

Babies born in 2025 could face a major shortfall in savings in 75 years if things don’t change. Here’s what families can do now to prepare.

01/02/2025

Happy New Year! Reminder that Open Enrollment for health insurance ends on Jan 31 in California and Jan 15 in most other states.

If you need help -- particularly if you're self-employed or a 1099 employee in California -- let us know. There are high-quality, affordable options available that you won't find on the public marketplaces.

10/03/2024

What's got you worrying about your retirement funds? The election? Climate catastrophe? Wars in the Middle East and Ukraine?

We can't fix those things, but we can help you secure your financial future.

-Old 401k? Let's lock in your gains and still get you market-like returns.
-Maxing out your 401k or IRA? Learn how to diversify your tax liability and limit market losses.

09/09/2024

Do you have an old 401K just sitting there? There is a safer way to grow your investment with safeguards against market loss.

09/04/2024

All wrapped up here in Vegas! Excited to help business owners and families with some great new financial strategies.