You’ve worked your
whole life for this.
Let’s make sure you keep it.
I’ve spent 45 years helping families and individuals across Southern California retire without regret or fear. Every plan I build starts with one thing: making sure you have money coming in every month — no matter what the market does.
The worries that keep
people up at night
If any of these sound like you, you’re not alone. And you’re not wrong to worry. You just need a plan.
Running out of money
“What if I live to 90 and my money runs out at 75?”
Healthcare costs eating the plan
“Medicare doesn’t cover what I thought. A hospital stay could wipe me out.”
Rising costs shrinking your savings
“Everything costs more every year. My money buys less and less.”
California taxes on retirement income
“I didn’t realize California taxes my 401k withdrawals at up to 12.3%.”
Social Security changes
“I keep hearing Social Security might get cut. When should I even take it?”
Savings won’t last long enough
“My savings might only last 15 years. But I could need them for 25 or 30.”
Here’s how to find out
if your money is set up right.
All of those worries above come down to one thing: is your money taking the right amount of risk for where you are in life? Too much risk and a market drop could wreck your retirement. Too little and your savings won’t keep up with rising costs.
I built a free online quiz that answers this in 3 minutes. You’ll answer a few simple questions about your life, your goals, and how you feel about risk. Then you get a personal Risk Score from 1 to 100 — showing whether your money matches what you’re actually comfortable with. I review every result myself, and if I spot something you should know, I’ll reach out.
Answer a few simple questions
About your savings, your goals, and how you feel about ups and downs in the market. No account numbers needed.
Get your personal Risk Score
A number from 1 to 100 that tells you exactly how much risk you should be taking — and whether your money matches that.
I look at every result personally
This isn’t some robot. I review your score myself. If something looks off, I’ll call you. No pressure. No sales pitch.
I’ve been doing this
for 45 years. Here’s why.
Early in my career, I watched close friends lose money on things that were sold to them — not chosen for them. Products that didn’t fit their life. Plans that fell apart when the market dropped. That changed everything for me.
Since 1979, I’ve helped over 300 families across Southern California protect what they worked for and retire on their own terms. I don’t chase the latest trend. I build a plan that works on paper first — then I make it real.
“If you buy good stuff and hold it long enough, you’ll always make money. My whole job is making sure you never have to sell at the wrong time.”
Most people lose money
because they’re forced to sell
at the wrong time.
My plan is built so that never happens to you. I set up three buckets of money — each one does a different job. Together, they give you control.
Income You Can Count On
This is the heart of your plan. Money that shows up every month — no matter what the stock market does. It covers your bills and your life. You never have to worry about where your next check comes from.
Long-Term Growth
This is your inflation fighter. Good investments that grow over time. When the market is up, we pull gains from here. When it’s down, we leave it alone and let it recover. You’re never forced to sell.
Safe Money to Fall Back On
Your safety net. This money is protected — your principal can’t go down. When the market drops, you draw from here while your growth bucket recovers. This is what gives you control.
“Don’t take more risk than you need to. Build the floor first. Then reach higher.”
— Paul Barlow, CFP®
Three steps. No surprises.
No pressure.
Here’s exactly what happens when you reach out. No tricks. No fine print.
We talk for 20 minutes
A free phone call. You tell me what’s going on. I listen. No sales pitch, no pressure. Just an honest conversation about where you are and what you’re worried about.
I build your plan
I look at what you have, what you need, and what you’re afraid of. Then I put together a clear plan — one that works on paper before we do anything. You’ll see exactly how it works.
You retire with confidence
You’ll know where your money is, how it’s working, and when it’s coming in. No more guessing. No more lying awake at night. Just a plan that holds up.
Real people. Real results.
“Before Paul, I had no idea if my money would last. Now I have a clear plan. I know what’s coming in every month. I sleep better.”
“I was tired of watching the market and worrying. Paul showed me how to set up steady income that doesn’t depend on stocks going up. It changed everything.”
“Paul made this simple. He showed me exactly where my money goes, how it grows, and what’s safe. I didn’t know it could be this clear.”
Everything you’d want
to know first
If you don’t see your question here, call me. The first conversation is always free.
What does “fiduciary” mean in plain English?
It means I am legally required to do what’s best for you. Not for me. Not for a company. If something isn’t right for your situation, I won’t recommend it. Period.
How much does it cost to work with you?
The first conversation is free. If we decide to work together, I’ll explain exactly what it costs — no hidden fees, no surprises. You’ll know before you agree to anything.
What if I already have a financial advisor?
That’s fine. If your advisor has a clear plan that you understand and trust, you might not need me. But if you’re not sure — or if no one has shown you your real risk level — a second opinion is always smart. No strings attached.
What is the Risk Quiz and is it really free?
It’s a short online quiz. You answer a few questions about your savings, your goals, and how you feel about market ups and downs. Then it gives you a Risk Score from 1 to 100. That score shows whether your money is taking too much risk, too little, or the right amount for your life. It’s completely free. No credit card. No catch. I review every result myself.
What’s the “3 Buckets Plan”?
It’s how I set up your money so you’re never forced to sell when the market is down. One bucket pays you income. One grows long-term. One stays safe as a backup. Together, they give you control over when and where you draw money from.
Do I need a lot of money to work with you?
I work best with people who have at least $100,000 saved or earn $250,000 or more. But the Risk Quiz is free for everyone — and so is the first call.
You’ve worked too hard
to leave this to chance.
Three minutes. One quick check. The peace of mind that comes from finally knowing where you stand.
Retire without fear.
Protect everything you’ve worked for.
Pick a time that works for you. This is a free, no-obligation conversation — just you and me talking about where you are and what you’re worried about. No sales pitch. No pressure. Just honest answers.