Protect Your Retirement from High Commission Salespeople

Avoid buying high commission insurance products you don’t need or losing money trading stocks

Low cost ETFs portfolios and comprehensive retirement planning with one low straightforward fee

Certified Financial Planner™ Professional with Engineering background

 

Have peace of mind knowing your money stays with established institutions you can trust

 
 

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Why Trust Co Planning Group?

  • Fiduciary

    I have a fiduciary obligation to my clients, meaning that I have a fundamental duty to always and only provide investment advice that is in my clients’ best interests.

  • Commission-Free

    No hidden fees. I am paid directly by my clients and not by mutual fund and insurance companies. This aligns my financial interests with my clients’ and frees me up to shop for the best investments for my clients.

  • Comprehensive Planning by CFP®

    More than just investment management, I advise my clients on when to take Social Security, how to make their money last, how to minimize taxes in retirement, and address estate planning issues.

  • Multi-Lingual Service

    With native fluency in English, Cantonese, and Mandarin, I provide the same comprehensive financial planning and on-going service to the broad American public and the Chinese immigrant community.

 Associations

Jason Co cantonese CFP mandarin CFP cantonese speaking financial advisor mandarin speaking financial advisor

Jason Co 許嘉誠, CFP®

Welcome! After working at large established firms, including Morgan Stanley, Plancorp, and TD Ameritrade, I founded Co Planning Group to help my clients invest and grow their wealth with no-load funds, lower their investment related taxes, and maximize their government retirement benefits. I hope you will find my educational videos informative and entertaining.

I happen to speak Cantonese and Mandarin as an immigrant from Hong Kong, so I also serve the Chinese immigrant community, who often lack access to a trusted fiduciary, as a part of my practice.

When I’m not creating financial plans, I like to spend time with my wife and son. You can find me playing hot wheels with my son, crushing a workout at Burn Boot Camp with him in childwatch, or taking him out on playdates…my son takes lot of work. My wife will 100% agree with that previous statement.

 

Retirement Planning Beyond Index ETFs

If you’ve heard it’s a good idea to invest in low cost index ETFs, that’s a great start, but have you considered the following questions regarding:

    • Should I be investing in individual stocks?

    • What is my current advisor’s investment track record?

    • How do I pick the best mutual fund?

    • Are my retirement accounts growing at all? I haven’t seen a statement or spoke to my financial advisor in years!

    • The economy looks bad, should I invest in stocks at all?

    • How much should I invest in stocks and bonds?

    • What other stock and bond ETFs beyond index ETFs should I invest in?

    • How do I weather inevitable financial storms?

    • What are some ways I can save on income taxes now and in retirement?

    • When should I sell stocks or buy more?

    • I keep losing money trading stocks, is there a better way to invest?

    • How much can I spend in retirement without running of money?

    • Should I pull money out of Roth IRA, Traditional IRA, or Taxable account first?

    • When should I start Social Security and how do I get the most money out of it?

    • How does rental income factor into my retirement plan?

    • Should I take a lump sum distribution or keep my pension as an annuity?

    • I was sold an annuity a long time ago, does it still make sense to keep it?

    • Should I buy an income annuity to provide more guaranteed income?

    • How much will long term care and nursing home be?

    • Can I afford to live in a nursing home?

    • Should I move in with my kids or into a nursing home?

    • Can I afford my parent’s current nursing home needs in my retirement?

    • Should I buy a long term care insurance policy?

    • My partner and I can take care of each other now, but what is our plan for care in case one of us passes away?

    • What will Estate Planning do for me and my family?

    • When was the last time I all reviewed my Last Will, Trust, Health Care Directive & POA, Financial POA?

    • How exactly will money be distributed or who will be in charge in case of a wealth transfer event?

    • Are the people supposed to help settle my estate ready for the responsibilities?

    • Will doing Roth conversions save me taxes in the future?

    • What other tax saving strategies am I not taking advantage of?

    • How do I keep my taxable income low enough to minimize Medicare premiums?

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