We take the time to understand your mission, vision, values, and goals, then create strategies designed to fit both your life today and the future you are building.
Ninety-five percent of the families we serve are introduced by CPAs, attorneys, and current clients who already know and trust us. We consider that one of the strongest measures of our work.
Although we take new clients every year, many families and businesses have been with us for decades. We plan not only for this chapter of your life, but the ones your children will write.
We help clients organize their wealth across three tax categories, to support flexible, tax-efficient income and liquidity for our clients.
Most families keep too much in the second bucket. We help you rebalance toward tax-free, while the opportunity lasts.
Savings, checking and brokerage accounts. Flexible, liquid and taxed every year.
401(k)s, DP plans, SEP's and traditional IRAs. A tax break now, but your principal and all of the growth is taxed when you withdraw it later.
Roth IRAs and other tax-advantaged vehicles. Both principal and growth are withdrawn at a 0% tax rate in retirement.
Most wealth sits in the bucket “taxed later”, at a rate nobody can predict.
Answer three questions and we'll sketch your own three buckets, using the same picture as above.
Roughly how much of your retirement savings sits in a 401(k), 403(b), or traditional IRA?
Do you have a Roth IRA, Roth 401(k), or other tax-free vehicle?
How close are you to retirement?
This is an educational illustration based only on what you told us. It is not investment, tax, or legal advice, not a recommendation, and not a projection of results. A real plan requires a real conversation about your circumstances.
A tax-deferred balance is not entirely your money. Part of it is a bill you have agreed to pay later, at a rate nobody has set yet. As the balance grows, so does the bill.
Hypothetical illustration. Assumes a $100,000 tax-deferred balance, a constant 6% annual return, no fees, and a single flat federal rate applied at withdrawal. Actual returns, tax rates, and outcomes will differ. Not a projection, a guarantee, or advice.
A simple illustration of how much you might build in your tax-free bucket by the age you choose to retire. Move the sliders to explore the possibilities.
This is a simplified educational illustration, not a prediction, guarantee, or financial, tax, or investment advice. It assumes consistent monthly contributions and a constant annual rate of return until your chosen retirement age, compounded monthly. Actual results will vary.
Where do you live now, and where do you want to live in retirement? This quick, interactive tool will help you calculate what you need to feel financially comfortable, now and in retirement. The results may surprise you.
Open the Comfort Calculator →Illustrative and educational only. Results are estimates, not a quote or advice.
Money does not buy happiness. But money coupled with meaningful joy, purpose, clarity, and direction is a recipe for unlimited happiness, opportunity, and legacy.Jeff Gurman, Founder & CEO
The relationships we build often span decades, and families. Hover to pause and read.
“While selling my home, I was fortunate to meet Jeff hiking. After interviewing other wealth management firms, I picked Jeff as a trustworthy financial mentor. I feel 100% confident in my financial roadmap and peaceful about leaving a legacy. Jeff is much more than a financial planner.”
“Jeff has been my family's financial planner for the past 25 years, and I retired this week knowing I have the right plan in place for my family. I have introduced Jeff to many of my close friends and coworkers, as I know he deeply cares about his clients.”
“I have been working with Jeff since 1994, from single life to married life, to a larger combined family. He has always taken time to understand our goals and helped us manage and grow our wealth over the past 22 years.”
“My husband and I found Jeff to be incredibly patient. He recommended multiple strategies to help with liquidity and safety as well as building a tax-free retirement. Jeff is a true wealth management guru. I highly recommend him to anyone who wants to lower their taxes and build for retirement.”
“Jeff doesn't just manage wealth, he helps you understand how the wealthy move, think, and execute. He is generous, fierce, and brilliant like no other. I highly recommend him to anyone looking for a wealth manager who understands that wealth is a state of being.”
“Jeff is an intelligent and experienced professional with strong business ethics and an in-depth understanding of the clients he works with. I have spoken with a few of his clients and have heard nothing but rave reviews. I would highly recommend him.”
“My first dealing with Jeff was as President of the Los Angeles Jewish Chamber. He is always prepared and articulates his message clearly. Jeff is eager, forward thinking, organized and very generous with his time helping other businesses succeed.”
“My husband and I have been working with Jeff for several years now, guiding us in our financial investments and decisions. He has been assisting us with strategic financial planning, insurance and estate planning. He is very versatile, always offering various options depending on need.”
“Jeff has been a tremendous asset to my family. He spent a lot of time asking questions to understand our specific goals. He is passionate about the products he offers and knows them inside and out. He has an approach to retirement planning that is quite compelling.”
“From the moment I met Jeff I felt at ease, which is rare for me. He took the time to really get to know and understand me as a person before he even asked about my financial situation. He explained all of my options and made sure I actually understood everything we discussed.”
“I am deeply grateful to you and your staff for the phenomenal amount of time, effort, thought, and research that you put into choosing the right plan for me and my family. You never rely on past knowledge, and continually research until you find the best options for right now.”
“Jeff was awesome to deal with. He patiently spent hours and hours finding out what life insurance best suited my needs. The most knowledgeable insurance pro that I know!”
Most people assume they'll pay less tax in retirement. For diligent savers, the opposite is often true.
Read → The 3-BucketsWhere your money sits determines how much you keep. A look at the framework at the heart of what we do.
Read → Asset ProtectionNear retirement, a single setback can be hard to recover from. Why defense deserves equal attention.
Read →Practical perspective on retirement, taxes, and protecting your wealth, delivered to your inbox each week.
By subscribing, you agree to receive periodic emails from Gurman Wealth Management, Inc. We do not sell or share your email address, and you can unsubscribe at any time. Content is for educational purposes only and is not investment, tax, or legal advice.
A conversation is the best place to start. Schedule a no-obligation consultation to see how a clear, tax-efficient plan could work for you.
Call (310) 417-9040