Herrera Financial Services

Welcome to our Website


Thank you for choosing to find out more about how Philip J. Herrera, CPA/CFP® can address your financial needs and help you design strategic wealth-care solutions. Our goal is to offer our clients the best possible service in a broad array of financial services - investments and portfolio management, retirement planning, life insurance strategies, long-term health care solutions, estate tax planning, and income tax concepts.


Philip J. Herrera, CPA/CFP® utilizes an array of comprehensive financial solutions to help create the outcomes you desire. We do this by applying our unique Method - 10 Analysis™ to your situation. From that evaluation, we then discuss suitable investment options, help you implement your choices, and periodically review your financial strategies to ensure they are performing consistently with your stated goals.


Over the years many of our clients have asked for our assistance in creating financial strategies. In creating those strategies, our primary goal is to ensure you will never deplete your financial resources. It is because of our keen desire to help ensure your financial well-being that he has held the Certified Financial Planner™ certification since 1994.


Please feel free to contact me at 909.621.6136, or at pherrera@HerreraFinancialServices.com, to visit further about how we might be able to help you.
 
Calculators

Credit Card Debt

How Long Will It Take to Pay my Balance?

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

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Newsletters

Lessons from a Perilous Year

In retrospect, 2011 was a formidable year for catastrophes. Small businesses can be hit hard when extreme weather or a natural disaster causes damage or forces a temporary closure. This article considers the importance of adequate insurance protection and ways to help reduce uninsured losses.

ETFs for the Conservative Investor

The number of exchange-traded funds has grown rapidly in the last decade. Total ETF assets exceeded $1 trillion in March 2011, an increase of more than $200 million over the previous year. This article explains the potential benefits of ETFs and why some of them might appeal to the risk-averse.

Pick Up This Split for Long-Term Retirement Income

The number of Americans aged 90 or older almost tripled from 1980 through 2010 and is projected to quadruple by 2050. As people live longer they may need to fund a longer-than-expected retirement. This article discusses how a split-annuity strategy could help provide a long-term income stream.

The Financial State of the States

Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.

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