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We are your Financial Family 

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The power of planning and smart investment managent

We adhere to the 7 Steps: Financial Planning Process outlined in the Certified Financial Planners® (CFP®) Board in accordance with their Code of Ethics and Standards of Conduct.  

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Starting the

Process

Your situation is Unique. 

Let's make a Plan just for you. 

Sunset Sailboats

Investment Philosophy

We have extensive experience investing our clients hard earned money in the stock market.  Our approach is based around time tested philosophies centered around asset allocation and behavioral finance.  

Discussing the questions that keep you up at night

  • Will I run out of money during retirement?

  • How should I be invested?

  • How do I handle an upcoming inheritance?

  • My spouse just passed away, what should I do?

  • When should I take Social Security?

  • How much should I be saving for retirement?

  • How much will my children's college cost?

  • Do I need life insurance?

 

 

Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC,a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License# 0I59024.

 

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.  All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.

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This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com.

Online Privacy Policy | Important Disclosures | Business Continuity | Privacy Policy | Order Routing Disclosure

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Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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FINRA's BrokerCheck: Check the background of this investment professional on FINRA’s BrokerCheck.

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225 Avenue I, Suite 201

Redondo Beach, CA 90277

Contact: (310) 792-2424

Email: John@APSadvisor.com

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Nancy Gragg, CWS® AIF®
John Gragg, CFP®

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