For more than two decades, Greg Ramirez has been helping people in Southern California retire successfully. Today, he brings his years of experience as an independent financial advisor to KABC and this weekly podcast, helping people get answers to their questions on everything from 401(k)s & IRAs to building tax & income strategies for their retirement years. Greg’s on call for you anytime at www.AdvisorsOnCall.com. Investment advisory services are offered through Claraphi Advisory Network, LLC (“Claraphi”), an SEC-registered investment adviser. Greg Ramirez is an investment adviser representative of Claraphi. Advisors on Call and Claraphi are not affiliated. Fixed insurance products are offered by Greg Ramirez, CA Insurance License # 0C33435. Fixed insurance and annuities products are not offered or sold through Claraphi. Nothing contained herein constitutes legal, tax or investment advice or any recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. Personalized investment advice can only be rendered after the engagement of Claraphi for services, execution of required documentation, including receipt of required disclosures. All investments involve risk and past performance is no guarantee of future results.