Investments

Business Continuation Strategies

• Funding Option Analysis
• Buy-Sell Strategies
• Family Business Succession
• Key Person Insurance

Estate Planning

• Tax Reduction Strategies
• Charitable Giving
• Hypothetical Probate Needs Analysis

Executive Fringe Benefits

• Executive Bonus Plans
• Split Dollar Insurance
• Deferred Compensation Funding
• Salary Continuation Plans
• Non-Qualified Executive Fringe Benefits

Employee Benefit Program

• Life and Disability Income Insurance
• Pension, Profit Sharing, and 401k Plans
• Payroll Deduction Plans
• SIMPLE IRAs
• Non-Qualified Retirement Programs

Financial Products & Strategies

• Life and Disability Income Insurance
• Retirement Income Needs
• Budgeting and Cash Flow Study

Investment Products

• Mutual Funds
• Unit Investment Trusts
• Variable Annuities

Retirement Products & Strategies

• Individual Retirement Accounts (IRAs)
• Fixed and Variable Annuities
• Tailored Retirement Programs
• Long-Term Care Insurance

Tuition Funding Programs

• College Costs Analysis
• Insurance Products and Investments

Tony Delumen, CLTC
Financial Services Professional
925-979-2354
tdelumen@financialguide.com
CA Insurance Lic #0D47382

• Mr. Delumen is licensed in the following states: AL, AZ, CA, FL, GA, HI, IA, ID, IL,IN, MA, MI, MT, NC, NE, NM, NV, OH, OR, PA, TN, TX, VA, WV.
• Mr. Delumen is registered to offer securities in the following states: AL, AZ, CA, CO, FL, GA, HI, IA, IL, MA, MN, MT, NC, NE, NH, NM, NV, OH, OR, PA, RI, TX, UT, VA, VT, WA, WI, WV.
• State of Domicile: CA

Sarah Tolson, CFP
Financial Services Professional
925-979-2318
stolson@financialguide.com
CA Insurance Lic #0F43069

• Ms. Tolson is registered to offer securities in the following states: CAlifornia
• State of Domicile: CAlifornia

Tillman Pugh MBA, CFP
Financial Services Professional
925-949-7429
tpugh@financialguide.com
CAlifornia Insurance Lic #0657163

• Mr. Pugh is registered to offer securities in the following states: CAlifornia
• State of Domicile: CAlifornia