◈ Homepage — https://onpointfinancialmanagement.com/(323) 243-9129 WHY ONPOINT SERVICES EDUCATION ABOUT CONTACT FAQ Navigate Your Financial Future with Care Integrity From rising healthcare costs to changing tax law, the retirement landscape has never been more complex. OnPoint Financial Management is here to help you navigate the waters so you can experience the freedom of worry-free retirement. LEARN MORE CONTACT Navigate your financial future with confidence. Explore our website to learn more about our services, meet our team of experts, and access valuable resources that can help you gain control over your financial destiny. When you choose OnPoint Financial Management, you're choosing a trusted partner dedicated to helping you achieve your financial goals and realize your dreams. Contact us today to schedule a consultation and embark on your journey towards financial freedom. Founding Principles of OnPoint Financial Management   Care At OnPoint Financial Management, our clients are treated like family. We offer the same caring advice that we would our own mother, father, brother, or sister Integrity Society at large offers no shortage of financial advice. Not all of it good. We strive to offer the most transparent council, free from bias and myth. Passion We are passionate about helping our clients reach their financial goals. Building wealth isn’t just about the money. It’s about the freedom the money offers you and your family. OUR TEAM Why Choose OnPoint? Our firm brings together years of business, planning, and risk management experience. Learn more about how we can help you grow and protect your financial nest egg. LEARN MORE At OnPoint Financial Management, we believe that everyone deserves to feel confident and empowered when it comes to their financial decisions. Whether you're striving to achieve specific goals, plan for retirement, or simply gain control over your finances, our team of dedicated professionals is here to assist you every step of the way. I am a... HOW WE CAN HELP Talk about your financial future today CONTACT US © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by FreshMoveMedia Privacy Policy Disclosure ◈ Interior Pages — 14 pages crawledFinancial Services - ONPOINT FINANCIAL MANAGEMENT (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ I am a...  No matter what stage in life you are, OnPoint is here to help you plan and execute your financial management services. Learn More CONTACT Nearing Retirement? Let us help. Our expert advisors will help prepare you for a worry-free retirement. Our goal is for you to get the most out of your “golden years”. You’ve worked your entire life to find enjoyment. Let us help you get there. Let's Talk Own a business? Protect it. You’ve put tens of thousands of hours into building your business. We can help you protect that investment. We have a number of strategies that will preserve your business’ future including key person insurance, buy/sell agreements, and continuation planning. You’ve worked in your business, now it’s time to work on your business. Contact Us Today College savings, life insurance, and more. Paramount among the challenges of raising a family is growing your financial future. Time is a valuable asset when it comes to growing wealth. Act now, and take advantage of that asset. We will discuss all facets of your family’s financial well-being. Let’s talk! Plan Your Future Take control of your financial future  Contact Us Today © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Creating Financial Independence - OnPoint Financial Management (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Nothing has changed on how financial independence is created Let’s get this straight right here and now. Credit cards do not help in creating financial independence, and you say, “It lets me buy things when I want to.” Isn’t that financial freedom? Think again. Financially independent Things have not changed on creating financial independence, it goes back centuries and generations; your grandparents did it, and so did your great-great-great grandparents. So if you are looking for the formula on how to become financially independent, here it is: If you earn $10 Spend less than $10 (the less you spend, the more wealth you create). That’s how it is; it is that simple. Example: if you earn $10, spend $9 or better yet spend only $8 Financially Dependent If you are looking for the formula on how to be financially dependent (meaning worrying about your finances all your life, and risking not having an adequate retirement), here it is: If you earn $10 Spend more than $10 (the more you spent, the more debt and less wealth you create). That how is it, it is that simply. Example: if you earn $10, spend $11 or more (and you think that is not possible, think about. The use of loans and credit cards make this easy to do). Financial freedom Financial freedom is defined differently for everyone. What do I mean by that? Take, for example, two different families. Family “Spends it Before I Get It” earns $300,000, lives in a $1.2 million home, drives expensive vehicles of $80,000+, takes big vacations of $20,000+ a couple of times a year, hosts big expensive house parties, shops at the big stores, eats out in fancy restaurants, and has kids with all the big toys. Retirement savings might be, let's say, $275,000 after 20 years, and are at risk for a successful retirement. Family “Spends as Little to Live Comfortably” earns $150,000, lives in a $500,000 house, drives pre-owned vehicles under $30,000, takes a vacation and maybe spends $5,000, hosts small family house parties, shops at the outlets for quality clothes, eats out rarely, and has kids that understand the value of money, little if any big toys. Retirement savings might be let say $1.4 million after 20 years and is set up for a successful retirement. © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Financial Services - ONPOINT FINANCIAL MANAGEMENT (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ I am a...  No matter what stage in life you are, OnPoint is here to help you plan and execute your financial management services. Learn More CONTACT Nearing Retirement? Let us help. Our expert advisors will help prepare you for a worry-free retirement. Our goal is for you to get the most out of your “golden years”. You’ve worked your entire life to find enjoyment. Let us help you get there. Let's Talk Own a business? Protect it. You’ve put tens of thousands of hours into building your business. We can help you protect that investment. We have a number of strategies that will preserve your business’ future including key person insurance, buy/sell agreements, and continuation planning. You’ve worked in your business, now it’s time to work on your business. Contact Us Today College savings, life insurance, and more. Paramount among the challenges of raising a family is growing your financial future. Time is a valuable asset when it comes to growing wealth. Act now, and take advantage of that asset. We will discuss all facets of your family’s financial well-being. Let’s talk! Plan Your Future Take control of your financial future  Contact Us Today © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Prevent Retirement Planning Errors - OnPoint Financial (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Prevent common financial management planning errors people make in saving and in retirement During your working years, it's crucial to be mindful of certain financial management planning errors that can hinder your savings and retirement plans: 1. Maximizing company match programs and saving enough: Ensure you take full advantage of any employer matching programs and strive to save an adequate amount for your retirement. 2. Avoiding loans or cashing out from your retirement plan: Resist the temptation to take loans from your retirement accounts or cash them out prematurely, as this can have long-term consequences. 3. Diversifying investments to match your risk tolerance: Don't overlook the importance of diversifying your investments based on your risk tolerance and financial goals. 4. Regularly revisiting and balancing your portfolio: It's essential to review and rebalance your investment portfolio periodically to ensure it aligns with your changing needs and market conditions. 5. Overcoming fear and taking action: Don't let fear hold you back from making necessary financial decisions. Take proactive steps towards securing your financial future. 6. Planning for healthcare costs before turning 65: Be proactive in planning for healthcare expenses, especially if you'll be retiring before reaching Medicare eligibility at age 65. 7. Delaying retirement until you can afford it: Consider waiting until you have sufficient financial resources to support your desired retirement lifestyle, avoiding the risk of financial strain. 8. Creating a retirement road-map: Develop a comprehensive retirement plan with clear goals, objectives, and strategies to guide your financial decisions. Transitioning into retirement comes with its own set of challenges. Here are some mistakes to avoid during this stage: 1. Adjusting to living on a fixed income: Prepare yourself mentally and financially for the transition to a fixed income during retirement. 2. Accounting for inflation: Take into account the impact of inflation over the potentially long duration of your retirement. Even a modest inflation rate can erode your purchasing power. 3. Realistic income and expense estimates: Be conservative when estimating your retirement income and consider potential higher expenses related to entertainment, travel, or healthcare. 4. Balancing equity and conservative investments: Recognize that the traditional 80/20 or age-based portfolio allocation may not be appropriate anymore, given the longer life expectancy in retirement. Seek growth opportunities while managing risk. 5. Optimizing Social Security benefits: Carefully evaluate the optimal time to apply for Social Security benefits to maximize your lifetime income. 6. Seeking guidance from a retirement financial advisor: Collaborate with a knowledgeable retirement financial advisor who can provide personalized guidance and support throughout your retirement journey.  By avoiding these common mistakes and seeking professional advice, you can better navigate the path towards a secure and fulfilling retirement. If you have additional questions, visit our FAQ  and Instagram page to learn more! © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Planning Your Financial Future - OnPoint Financial Management (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Things you should know when planning your financial future Welcome to our Planning Your Financial Future page! Here, we provide you with valuable information and resources to help you plan for a financially secure future. Whether you are just starting out in your career or planning for retirement, taking control of your finances is a critical step towards achieving your goals. Our team has compiled a variety of resources, including articles, tips, and tools to help you make informed decisions about budgeting, saving, investing, and more. We understand that financial planning can be complex, and our goal is to simplify the process and provide you with the guidance you need to create a solid financial plan that works for you. So take a look around, explore our resources, and start planning your financial future today! Follow us on Instagram for more financial tips & tricks.   Retirement  You need more than money to achieve a successful retirement. The three main ingredients to financial independence are: Emotional, Health, Finance. View Problems We Are Solving Educate our community on the challenges they will face upon retirement. We'll unpack the things you need to know to reinforce peace of mind. View The "Want" to Have VS Must Have Establish the discipline and motivation to create and maintain a financial life style that will grow and protect your money. View Financial Independence Things haven't changed on how financial independent is created, it extends back centuries and generations. So how do you become financially independent? View Baby Boomers and Retiring About 35% of the Early Boomers (born between 1948 and 1954) will not have an adequate retirement income. Learn more about how to prepare. View Prevent Retirement Planning Errors Learn more about the unfortunate, yet common mistakes made during the working years as well as errors people make in retirement . View © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Financial Services - ONPOINT FINANCIAL MANAGEMENT (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ I am a...  No matter what stage in life you are, OnPoint is here to help you plan and execute your financial management services. Learn More CONTACT Nearing Retirement? Let us help. Our expert advisors will help prepare you for a worry-free retirement. Our goal is for you to get the most out of your “golden years”. You’ve worked your entire life to find enjoyment. Let us help you get there. Let's Talk Own a business? Protect it. You’ve put tens of thousands of hours into building your business. We can help you protect that investment. We have a number of strategies that will preserve your business’ future including key person insurance, buy/sell agreements, and continuation planning. You’ve worked in your business, now it’s time to work on your business. Contact Us Today College savings, life insurance, and more. Paramount among the challenges of raising a family is growing your financial future. Time is a valuable asset when it comes to growing wealth. Act now, and take advantage of that asset. We will discuss all facets of your family’s financial well-being. Let’s talk! Plan Your Future Take control of your financial future  Contact Us Today © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure About OnPoint Financial Management - VA and CA (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Understand Your Journey to Financial Freedom Our Mission The core beliefs of OnPoint Financial Management, are simple and impactful: We want to empower our clients with the tools they need to understand how to make their money work for them. Michael A. Todd CEO/COO The core beliefs of Michael Todd, CEO/COO and Owner of OnPoint Financial Management, are simple and impactful: we want our clients to have the life they’ve always wanted. And not just financially, but personally and professionally. Michael Todd became CEO/COO of OnPoint Financial Management in early 2018. Assuming this role with a vision of revitalizing OnPoint’s business, Michael soon realized a greater calling: widening the firm’s reach in the community and implementing creative, but proven investment strategies to maximize both the earnings and savings potential of clients. He’s worked tirelessly these past seven years to meet new people and form lasting relationships with them and their businesses. E: [email protected] P: (323) 243-9129 Andreas Kramer Managing Partner Andreas Kramer brings a global perspective and a passion for client-centered strategy to his role as Managing Partner at OnPoint Financial Management. With a background spanning commercial and luxury residential real estate, international investing, and Fortune 500 executive leadership, Andreas has built a reputation for helping clients navigate complex financial decisions with clarity and confidence. Born and raised in Germany, Andreas holds a Doctor of Business Administration and has guided successful transactions across the U.S. and abroad. Whether working with individual investors or major corporations, he remains committed to long-term relationships built on trust, results, and personalized service. E: [email protected] P: (661) 877-0323 Would you like to become part of our team? Send Resume © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Financial Services - ONPOINT FINANCIAL MANAGEMENT (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ I am a...  No matter what stage in life you are, OnPoint is here to help you plan and execute your financial management services. Learn More CONTACT Nearing Retirement? Let us help. Our expert advisors will help prepare you for a worry-free retirement. Our goal is for you to get the most out of your “golden years”. You’ve worked your entire life to find enjoyment. Let us help you get there. Let's Talk Own a business? Protect it. You’ve put tens of thousands of hours into building your business. We can help you protect that investment. We have a number of strategies that will preserve your business’ future including key person insurance, buy/sell agreements, and continuation planning. You’ve worked in your business, now it’s time to work on your business. Contact Us Today College savings, life insurance, and more. Paramount among the challenges of raising a family is growing your financial future. Time is a valuable asset when it comes to growing wealth. Act now, and take advantage of that asset. We will discuss all facets of your family’s financial well-being. Let’s talk! Plan Your Future Take control of your financial future  Contact Us Today © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Disclosure - ONPOINT FINANCIAL MANAGEMENT (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Disclosure WARRANTIES & DISCLAIMERS There are no warranties implied. RIA OnPoint Financial Management LLC is a registered investment adviser located in Los Angeles, California & Richmond, Virginia. RIA OnPoint Financial Management LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. RIA OnPoint Financial Management LLC’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of RIA OnPoint Financial Management LLC’s web site on the Internet should not be construed by any consumer and/or prospective client as RIA OnPoint Financial Management LLC’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by RIA OnPoint Financial Management LLC with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of RIA OnPoint Financial Management LLC, please contact the state securities regulators for those states in which RIA OnPoint Financial Management LLC maintains a registration filing. A copy of RIA OnPoint Financial Management LLC’s current written disclosure statement discussing RIA OnPoint Financial Management LLC’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from RIA OnPoint Financial Management LLC upon written request. RIA OnPoint Financial Management LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to RIA OnPoint Financial Management LLC’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice. © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Why OnPoint Should be Your Financial Planners - OnPoint (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint is Different You're our priority.  Financial planners at many large wall street firms are handcuffed to offering clients a small selection of funds and products, regardless of how they might perform (or under perform). At OnPoint, we are a team of independent advisors, which means we can assist you with hundreds of different investment options. We pride ourselves on finding the strategy that best suits your needs. Services Wealth Management Life Insurance 401(k) Management Tax Planning Annuities Estate Planning Brokerage Accounts IRA's Our Services You should be enjoying your retirement, not stressing about it. Our balanced approach to investing will combine a variety of factors, including your goals, age, and risk tolerance to formulate a strategy uniquely customized to you and your family. Insurance can be put to use in a variety of ways to protect you and your family. Life insurance, long-term care insurance, and income replacement strategies can help your family find peace and security in times of need. Let’s find the best approach for you. Are you confused about how annuities can help your retirement strategy? We can offer clarity. If you are looking to establish a guaranteed income stream long after you have retired, let us help. We are with you every step of the way. The biggest financial blunders often occur when emotion outweighs logic and reason. At the same time, some of the most success in the market comes when volatility is present. We help our clients navigate the uncertain waters of the market by offering sound advice based on a long-term financial strategy. When formulating our client’s individual strategy, we always take into account their age, goals, and risk tolerance. Our Mission To help our clients understand, build, and execute their financial goals. Our Team. Michael A. Todd, CEO/COO Read More We don’t sell, we educate. Have you ever felt like an advisor was just trying to make a sale? At OnPoint, we reject that pushy philosophy and instead focus on education. We believe the best financial decisions are made when clients are presented with unbiased, trustworthy advice. We build long-term, impact relationships with our clients and that requires honesty and integrity in the guidance we offer. © 2026 ONPOINT FINANCIAL RETIREMENT. 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Where we send your data Visitor comments may be checked through an automated spam detection service. Your contact information Additional information How we protect your data What data breach procedures we have in place What third parties we receive data from What automated decision making and/or profiling we do with user data Industry regulatory disclosure requirements © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Frequently Asked Questions - OnPoint Financial Management (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Frequently Asked Questions Welcome to our Frequently Asked Questions page! We understand that you may have some questions about our product, service, or company, and we're here to provide you with the answers you need. Our team has compiled a list of the most commonly asked questions to help you get the information you're looking for quickly and easily. We want to ensure that you have all the knowledge you need to make informed decisions, and we hope that our FAQ page can be a helpful resource for you. If you don't see the answer you're looking for, please don't hesitate to contact us, and we'll be happy to assist you.  Please visit our Instagram , as well! Wealth Management How do you decide the right resources for my portfolio? We decide the resources by considering your overall goals and time horizon. On top of that, we do a comprehensive risk analysis to determine your ability to handle risk. What is a risk analysis? A risk analysis is a questionnaire used to determine your ability to handle risk. It is also important to note that your risk tolerance may change throughout your life based on age, family, and financial stability. That is why at OnPoint it is a part of our annual review to ensure your current outlooks are discussed and implemented into your plan. Tax Planning What types of tax planning services do you offer? We discuss how taxes will impact you today and in the future. By reviewing how income and distributions can and or will be taxed to you, you will have a clear picture of your net current and future income. Will you do my taxes? No, we will not file your taxes but, we can recommend some great accountants to do that for you! Estate Planning Do I need an attorney to conduct my estate plans? Yes! In forming a will and/or trust you will need to contact an attorney. We can recommend some great attorneys who specialize in estate planning! Why is it important we talk about my estate plans? As the saying goes: the two things guaranteed in life are death and taxes. An important part of any sound financial plan is of the assets remaining upon your passing who are they going to and how. Annuities What is an annuity? An annuity is an insurance vehicle that provide guaranteed payments for life or a set time. There are many different types of annuities such as fixed, variable, and index. Part of our education process is to fully explain these different types. Is an annuity right for me? Everybody’s financial situation and goals are different. Our planning and education process help identify your financial goals and what vehicles we need to get there. 401(k) & IRA Will we discuss status of my employer sponsored retirement plan regularly? Most definitely! Part of our planning process is maximizing what your employer provides you and making sure your personal financial plan compliments what is currently set up. What are the rules in withdrawing money from my qualified retirement plans? Age 59 1/2 is the magic age when you can begin withdrawing from your qualified retirement plans. Any withdrawal before that age you will be penalized. At 70 1/2 you must begin withdrawals by a minimum amount called an RMD (Required Minimum Distribution). At OnPoint we take all that into account and make sure your future income is as high as possible. Life Insurance How do I trust I am buying enough life insurance? We do a comprehensive needs analysis to answer the question: how much coverage do I need? From there you might determine if you want more coverage. The choice is completely up to you! Is there such as thing as too much life insurance? This answer boils down to perspective. After going through our planning process, you will come out knowing the right amount of insurance for you. Whether it is a lot, a little, or none! What are the different types of Life insurance? There are many different types of life insurance, however they can be split up into two major categories: term and permanent. Part of our planning and education process is to go over all the different types to allow you to make an educated decision what type, if any is right for you. Take control of your financial future  Contact Us Today © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Retirement - ONPOINT FINANCIAL MANAGEMENT (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ You need more than money to achieve a successful retirement The three main ingredients to financial independence are: Emotions Many publications speak to the need for emotional support in financial planning, as it represents a key ingredient for your financial success. It will be essential that retirees remain emotionally connected and realize that the support system from their work environment will change post-retirement. Whether married or single, most retirees will still note a significant change. Married individuals will realize that spending more time together will draw different behaviors from both spouses. Some may receive the impression that they left one boss only to go to another. Single individuals could be alone more and away from a reliable groups for emotional support, which can bring on depression due to extended isolation from their social networks. This writing will be further developed in the future. For now, just keep in mind that you need to think about the emotional change that retirement will bring. Don’t be so fast to think only about the people you can’t wait to get away from. Instead, take a moment and think about how you will pass your newfound free time and try to stay connected to those with whom you have shared the last 30+ years. Some of your co-workers know you better than your spouse or family. Whether it is a school, neighborhood, or workplace from which you are parting, leaving inevitably means disconnecting with a large percentage of friends. What matters then is how you choose to handle the process of moving on. You may not realize it, but staying connected and having a social life is a vital part of your overall health. Health This leads us to the second ingredient to a successful retirement: health. Before we define health, let’s first establish that, unfortunately, health is something money sometimes can’t buy. For example, if you have an incurable disease, all the money in the world would not buy you health. Therefore, if your current financial advisor is not talking to you about the importance of your health, they are missing something extremely important. In fact, health and finance are so closely related that they can be considered inseparable. If you don’t take care of your health, it is going to cost you more on doctors and medical expenses in the future. Annual medical checkups and having an exercise regimen are also part of leading a healthy life. Check with your doctor to make sure exercise is right for you. We cannot say enough about the benefits of a regular exercise program. According to information on WebMD, studies have found that exercise increases your ability to sleep restfully, focus attentively, and maintain high levels of energy. This barely scratches the surface of the many benefits of exercise (i.e. staying more alert, weight control, feeling younger, etc.), but we hope you are getting the idea by now. Finance The third ingredient is your financial readiness for retirement. The primary focus of our business is to get you financially ready so that you can reach your retirement targets. As we mentioned, targets are unique to each individual and are customized to you and your lifestyle. © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure Contact US - OnPoint Financial Retirement in VA and CA (323) 243-9129 Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Why OnPoint Services Education Retirement Financial Independence Prevent Retirement Planning Errors About About Us CONTACT FAQ Contact us Some of your questions may already be answered in our FAQ ! If not, you can contact us using the information listed below.  Los Angeles, California Location:   9454 Wilshire Boulevard 6th Floor, Beverly Hills, CA 90212 Phone: (323) 243-9129 For media or scheduling inquiries, please contact  Michael Todd, CEO/COO at (323) 243-9129 or [email protected] . Los Angeles, California © 2026 ONPOINT FINANCIAL RETIREMENT. Site built by Fresh Move Media Privacy Policy Disclosure