Soutas Financial Advisor & Retirement Planning

Fresno Financial Advisor & Retirement Planner
Opening at 8:00 AM on Monday
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Updates

When Is the Best Time to Do an IRA Roth Conversion?

If you’ve been thinking about converting your traditional IRA into a Roth, this could be the year to finally do it.

This type of retirement savings account is appealing because of its tax treatment. A traditional IRA (individual retirement acc...

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When Is the Best Time to Switch to Whole Life Insurance?

Term life insurance offers a more affordable option than permanent life insurance for anyone looking to protect their loved ones against unexpected financial expenses upon their death. Read our guide on what is term life insurance to under...

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Book

When Is the Best Time to Do an IRA Roth Conversion?

If you’ve been thinking about converting your traditional IRA into a Roth, this could be the year to finally do it.

This type of retirement savings account is appealing because of its tax treatment. A traditional IRA (individual retirement acc...

Read More
Book

How Can I Tell the Difference Between Economics and Finance?
One of the more glaring lessons of the 2020 pandemic was that the economy and the stock market are not the same thing, nor do they necessarily move in lockstep. They are measurements of two different things, often indicating how the oth...

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Will Generation X Ascend the Throne?

Generation X, comprised of adults between the ages of 40 and 55, have entered their prime earning years while at the same time enjoying a bull market for stocks. This demographic represents about a quarter of households in the U.S. (26.8%) and a similar share...

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How Do Banking Industry Trends Affect Me?

The prodigious bank ledger used to be one of most important components of America’s financial system. Hand-written entries detailed every account holder’s deposits, withdrawals, loans and payments.

A lot has changed since then. In fact, in just the last...

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What Investment Consolidation Strategies Might Be Wise to Keep In Mind?

Throughout investment industry and financial media sources we constantly hear the message that our money should be diversified. By spreading assets throughout a number of different vehicles, we can take advantage of various ...

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Book

What Investment Consolidation Strategies Might Be Wise to Keep In Mind?

Throughout investment industry and financial media sources we constantly hear the message that our money should be diversified. By spreading assets throughout a number of different vehicles, we can take advantage of various ...

Read More
Book

How Can I Tell the Difference Between Economics and Finance?
One of the more glaring lessons of the 2020 pandemic was that the economy and the stock market are not the same thing, nor do they necessarily move in lockstep. They are measurements of two different things, often indicating how the oth...

Read More
Sign up

Testimonials

2 months ago
As I have worked with Dale, I have been impressed with the personable, yet professional, approach to my needs. He has been straight forward in answers and recommendations. He continues with followups without pressuring. I will continue in working my financial needs with His Office.
- Steve M
2 months ago
We lost my grandpa in February due to Covid. Dale and Kathia have been nothing but helpful through the whole process. So if you want someone that’s going to have your back and treat you like family these are your go to people. They’re patient friendly and go out of their way to help you with your needs.
- Tiffani S
a year ago
Dale has been a tremendous asset to me and our family. He has provided guidance in helping us decide what is the best financial decision we can make by helping us to understand all the options before we make any decision. He explains all the various opportunities which includes tax ramifications, long term growth, we always know safety of the investment is paramount in his recommendations, that is called peace of mind, and you just can't beat that. There is a wide range of ages in our family and Dale makes the adjustment for each of us, nothing is the same because each of us have different goals and plans. In addition my parents are retired and he has not only helped them get the right plans for their senior life style but is available to me and my siblings in helping us make difficult life changing decisions when it comes to what is best for mom and dad. Dale is always there for us, you can't beat the service and care he provides.
- Kristi S

Fresno Financial Advisor & Planner

Whatever goal you’re going for, we’ll help you keep your eyes on the prize. Since 1989, Soutas Financial & Insurance Solutions, Inc. your Fresno financial advisor and retirement planner has worked with California residents and their families to help guide them to and through retirement financial planning. We’re committed to helping take the complexity out of Fresno retirement planning.

By using a variety of insurance and investment products, we can help you develop an overall retirement income strategy specific to you and your family in Fresno Ca. We have a strong team of professionals helping ensure you receive all the assistance you need not only in developing your retirement income strategy, but also in maintaining it throughout your retirement. Meet the team who is dedicated to helping you reach your future goals for financial planning. Schedule a 15min.Tele-Visit with Dale Soutas.

Discover many of the opportunities available to help you plan for your financial future.   

To develop a financial strategy for your future, it’s important for your financial professional to see a complete, 360-degree view of your financial picture, including how your retirement assets are integrated and work with one another. Our financial strategies and asset management services use institutional money managers and insurance products, such as annuities, to help you work toward your financial goals. We can work in concert with tax professionals or attorneys in your or our network to advise you on specific aspects of your financial strategy.  

We can help you design a written retirement income plan incorporating insurance and investment vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement. 

Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 93 and a 25 percent chance at least one spouse will live to age 97.1 This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

One drawback to a longer life is the greater possibility of outliving your savings — creating all the more reason to develop a retirement income strategy designed to last a longer lifetime. Only 27 percent of baby boomers report being confident their savings will last throughout retirement.2

A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years, and your assets may not have as much time to recover.

We can help you design a retirement income strategy that covers your ‘Paycheck’ (Needs), ‘Playcheck’ (Fun) and ‘LTC’ (Long-Term Care to help keep you at home or in assisted living and hopefully out of a nursing facility). We do this by incorporating insurance and annuity products to help provide a steady and reliable income stream for the rest of your life as well as investment products to create opportunities for long-term growth. 


To schedule a time to discuss your financial future and see if a written retirement income plan can be designed for you to have more confidence in your financial future, contact us at 559-230-1648 today!  

If your portfolio has not fully recovered from losses in recent times, you may wish to consider a more diverse method of accumulating wealth by incorporating alternatives to maximize growth while minimizing the downside risk.

Wealth Accumulation Strategies

You may be able to use time to your advantage when investing for wealth accumulation. Generally, the longer you invest, the more potential your money has to compound interest. If your portfolio has not fully recovered from losses in recent times, you may wish to consider a more diverse method of accumulating wealth by incorporating alternatives to maximize growth while minimizing the downside risk. A very famous investor says:

Rule # 1: Never lose money. 
Rule # 2: Never forget Rule #1.

It’s not about how much growth you might get, it’s controlling the downside or losses that make the biggest difference in wealth accumulation.However, with fluctuations in the stock market, it is important to remember that more conservative retirement strategies typically have only a portion of the assets invested in the stock market. Allocations can be set aside for more conservative investments and/or secured income contracts such as annuities. Annuities are long-term vehicles designed to help generate supplemental income during retirement. They have minimum guarantees backed by the strength and claims-paying ability of the issuing insurance company. After all, the last thing you want to do is lose more ground during the next market correction.  

COVID Outlook: Economy, Finances, Health

OverviewCompared to 2008, the current pandemic-induced recession is three times worse in terms of annualized gross domestic product (GDP) decline. Economists have urged Congress to pass additional stimulus legislation for unemployment benefits, forgivable loans to small businesses, aid to the travel industry and allocated funds to save local government jobs in the wake of reduced tax revenues.1The good news is that vaccine manufacturers Pfizer and Moderna both recently announced they have developed vaccines that are more than 90% effective; the bad news is that it may take a while for production to ramp up enough to vaccinate the entire U.S. population.2 And globally, until the majority of intercontinental travelers are immune, we’re not out of the woods yet.



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  • (559) 230-1648

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333 W. Shaw Avenue Suite 106
Fresno, CA 93704
United States

Business Hours

Mon:8:00 AM – 5:00 PM
Tue:8:00 AM – 5:00 PM
Wed:8:00 AM – 5:00 PM
Thu:8:00 AM – 5:00 PM
Fri:8:00 AM – 12:00 PM
Sat:Closed
Sun:Closed
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