Financial Building Process Worksheet
Defensive Planning: Protect
Offensive Planning: Plan For
Offensive Planning: Plan For
We help protect your money, your family, and your income. This ensures your financial future is safe, even when unexpected things happen.
Offensive Planning: Plan For
Offensive Planning: Plan For
Offensive Planning: Plan For
We plan for life’s big moments—like buying a home, saving for college, and retiring comfortably. We make sure you’re ready for these milestones.
Aggressive Planning: Prioritize Goals
Progressive Planning: Pass Along Assets
Progressive Planning: Pass Along Assets
We help you grow your investments by spreading them out across different opportunities, reducing risk, and making the most of your retirement savings.
Progressive Planning: Pass Along Assets
Progressive Planning: Pass Along Assets
Progressive Planning: Pass Along Assets
We guide you in passing down your assets to loved ones or charitable causes, with a focus on saving taxes and honoring your personal values.
Life Insurance
Life Insurance
Life Insurance
Life insurance isn’t just for dependents. It’s also a great tool for transferring wealth, creating business succession plans, and estate planning. We offer life insurance options that fit both personal and business needs, helping you protect your wealth and pass it on to future generations.
Annuities
Life Insurance
Life Insurance
An annuity is a way to create a steady income for retirement. You can use it to save for the future or turn a large sum of money into guaranteed payments. Our annuities provide security and reliable income during your retirement.
Long-Term Care Insurance
Guaranteed Lifetime Income Annuities
Guaranteed Lifetime Income Annuities
Long-term care insurance helps cover the cost of extended care when you can no longer manage on your own. This protects your savings from being drained by high healthcare costs. We make sure you have the coverage you need.
Guaranteed Lifetime Income Annuities
Guaranteed Lifetime Income Annuities
Guaranteed Lifetime Income Annuities
These annuities provide steady payments right away, either monthly or quarterly, so you can have a predictable and reliable source of income throughout your retirement.
Family Protection
Estate and Legacy Planning
Estate and Legacy Planning
We help protect your wealth and ensure your family’s financial security. Whether it’s safeguarding personal or business assets, we develop strategies to protect against risks and ensure a smooth transfer of wealth to the next generation.
Estate and Legacy Planning
Estate and Legacy Planning
Estate and Legacy Planning
Estate planning is more than just passing down wealth—it’s about preserving your legacy. We work with your legal and tax advisors to minimize taxes and ensure your assets are distributed according to your wishes, reflecting your personal and family values.
Philanthropy
Estate and Legacy Planning
Wealth Management and Retirement Planning
Charitable giving is a powerful way to make a lasting impact while benefiting from tax advantages. We help you create a giving plan that aligns with your values and maximizes your tax savings.
Wealth Management and Retirement Planning
Wealth Management and Retirement Planning
Wealth Management and Retirement Planning
We offer tailored wealth management strategies to help you grow and protect your assets. Whether you’re building your savings or creating retirement income, our customized plans fit your financial goals and risk tolerance. We monitor your plan regularly to ensure it continues to meet your needs as they evolve.
Disability and Extended Care Needs
Wealth Management and Retirement Planning
Disability and Extended Care Needs
We help you prepare for life’s uncertainties, including potential long-term care and disability expenses, ensuring that your income and assets are protected throughout your retirement.
401(k) and IRA Rollovers
Wealth Management and Retirement Planning
Disability and Extended Care Needs
When you change jobs or retire, making smart decisions about your retirement savings is crucial. We guide you through the rollover process, helping you evaluate your options and ensuring that your decisions maximize tax efficiency.
Business Succession and Exit Planning
Business Succession and Exit Planning
Business Succession and Exit Planning
Your business is a valuable asset. We help you plan for its future—whether that means passing it to the next generation or preparing for a sale—ensuring its long-term success.
Executive and Employee Benefits
Business Succession and Exit Planning
Business Succession and Exit Planning
Attracting and retaining top talent is vital to any business. We help you design benefit packages that keep your business competitive and appealing to high-caliber employees.
Key Person Insurance
Business Succession and Exit Planning
Funding Buy-Sell Agreements
Key person insurance protects your business from financial losses if a key employee passes away. The insurance payout helps your business maintain continuity with clients, employees, and creditors while supporting your search for a replacement.
Funding Buy-Sell Agreements
Funding Deferred Compensation
Funding Buy-Sell Agreements
A properly funded buy-sell agreement is essential for businesses with multiple owners. We help fund these agreements using life insurance, ensuring a smooth transfer of ownership if an owner leaves or passes away.
Funding Deferred Compensation
Funding Deferred Compensation
Funding Deferred Compensation
Deferred compensation plans allow you to reward key employees by deferring part of their pay to a future date. We help you design plans that provide flexibility and tax advantages for both your business and employees.
About Us
Bardia Hariri, MBA. PhD.
Meharpreet Kaur (Mehar) Hundal
Meharpreet Kaur (Mehar) Hundal
Bardia Hariri, MBA, PhD, is a licensed financial professional and insurance agent (CA Ins. Lic. # 0K72662), holding active licenses in California and many other states. He leads a team of dedicated advisors with strong administrative support. Dr. Hariri is a strategic thinker focused on helping individuals, communities, and businesses ac
Bardia Hariri, MBA, PhD, is a licensed financial professional and insurance agent (CA Ins. Lic. # 0K72662), holding active licenses in California and many other states. He leads a team of dedicated advisors with strong administrative support. Dr. Hariri is a strategic thinker focused on helping individuals, communities, and businesses achieve economic development goals. With over a decade of experience in the financial industry, he has a deep understanding of economic principles, community development, and growth strategies. His PhD thesis from the University of Wales focused on the emergence of isolated nations into global consumer culture, driven by his passion for Middle Eastern economics, history, and politics. Dr. Hariri excels in identifying opportunities and delivering innovative solutions, prioritizing community development and sustainability for long-term succes.
Dr. Hariri's technical expertise, communication, and leadership skills have enabled him to build strong networks and drive strategic economic growth. His commitment to long-term success is reflected in his dedication to providing clients with top-level service and expertise, supported by his team.
In recognition of his achievements, Dr. Hariri has been consistently ranked in the top 1% of financial professionals and insurance agents globally for seven consecutive years as a member of the Million Dollar Round Table (MDRT). His expertise spans a wide range of financial products and services, earning him the trust and confidence of his clients.
Throughout his career, Dr. Hariri has evaluated the financial needs of over 15,000 small- and medium-sized businesses, delivering effective strategies in asset protection, accumulation, and distribution. He maintains professional service with nearly 1,400 clients, ensuring he remains in tune with their evolving needs and goals. His commitment to regular communication allows him to reassess financial strategies and adjust plans accordingly.
With over 10 years of experience, Dr. Hariri continues to empower individuals and businesses to achieve financial success and long-term prosperity. His dedication to his clients and communities reflects his passion for economic development, supported by his team of advisors and administrative professionals.
In addition to his professional endeavors, Dr. Hariri enjoys spending time with his family and giving back to the community.
Meharpreet Kaur (Mehar) Hundal
Meharpreet Kaur (Mehar) Hundal
Meharpreet Kaur (Mehar) Hundal
Associate Broker | Insurance License #4363056
Mehar is a passionate financial professional dedicated to empowering individuals and businesses within the Indian community in California.
Mehar guides her clients towards a secure future by providing comprehensive financial planning services, including:
- Estate Planning: Safeguarding family legac
Associate Broker | Insurance License #4363056
Mehar is a passionate financial professional dedicated to empowering individuals and businesses within the Indian community in California.
Mehar guides her clients towards a secure future by providing comprehensive financial planning services, including:
- Estate Planning: Safeguarding family legacies with seamless asset transition.
- Retirement Planning: Building a strong foundation for clients' golden years.
- College Planning: Strategizing for a child's bright educational future.
- Asset Protection: Ensuring assets are protected for future generations.
- Tax Reduction Strategies: Minimizing your tax burden and maximizing financial growth.
Mehar's understanding of both Indian and American cultures allows her to navigate the intricacies of US financial planning with a culturally sensitive approach.
Before entering the financial field, Mehar honed her communication and collaboration skills through community engagement and collaboration with government officials. This strong foundation, coupled with her financial expertise, positions her to provide exceptional service to her clients.
A creative spirit, Mehar enjoys exploring new ideas and staying active. Her dedication to lifelong learning extends to mastering languages and acquiring new skills.
Read Less →
Mohsen Khodaverdi, EA
Meharpreet Kaur (Mehar) Hundal
Mohsen Khodaverdi, EA
Financial Advisor | EA | Tax Planner
Mohsen Khodaverdi is a seasoned financial professional with extensive expertise in tax planning, wealth management, and retirement strategies. As an Enrolled Agent (EA) and Certified Tax Planner, Mohsen specializes in helping high-net-worth individuals, business owners, and professionals reduce their t
Financial Advisor | EA | Tax Planner
Mohsen Khodaverdi is a seasoned financial professional with extensive expertise in tax planning, wealth management, and retirement strategies. As an Enrolled Agent (EA) and Certified Tax Planner, Mohsen specializes in helping high-net-worth individuals, business owners, and professionals reduce their tax burden, grow their wealth, and protect their assets for long-term financial success.
Mohsen’s comprehensive financial services include:
- Retirement Planning: Developing strategies for secure and tax-efficient retirement savings.
- Tax Planning: Implementing advanced tax-saving strategies tailored to individual and business needs.
- Asset Protection: Ensuring financial stability through strategies that safeguard assets.
- Estate Planning: Crafting plans to preserve family legacies and reduce estate taxes.
- Business Succession Planning: Helping business owners prepare for seamless transitions and maximize value.
With over a decade of experience, Mohsen has built a reputation for delivering innovative financial solutions that align with his clients' goals and values. He is committed to creating personalized plans that are easy to understand and implement, ensuring clients feel confident and secure in their financial futures.
Mohsen’s dedication to excellence extends to his collaborative approach with a network of experienced professionals, including tax attorneys, estate planners, and insurance specialists. His deep understanding of complex tax and financial strategies allows him to provide top-level service to his clients while addressing their unique needs.
Outside of his professional work, Mohsen enjoys spending quality time with his family, building meaningful connections in his community, and staying informed on the latest financial trends to provide cutting-edge solutions to his clients.