Challenging Times Require Experienced Advice

Welcome to the website of Bengen Financial Services, Inc.

• 23 years of experience managing money, and providing financial advice to clients. Through bull markets and bear markets alike, have followed a conservative strategy with the primary objective of conserving clients’ capital.
• Compensated solely on the basis of fees paid us by clients (“fee-only”). Do not sell any financial products, including insurance, annuities, stocks, bonds, or mutual funds.
• Manage money for, and provide financial planning services to, exclusively individuals. All financial planning advice is offered in the context of an ongoing money management relationship; do not perform hourly consultations.
• We operate in an informal, friendly manner. Our clients’ comfort, as well as their financial success, is very important to us.
• We strive with our utmost to provide excellent service, and help our clients realize their dreams. We seek to be a “trusted” advisor and go out of our way to find creative solutions to their money-related issues.
• We operate from two locations: Eastlake (Chula Vista), CA and La Quinta, CA. We have working home offices and client conference rooms in each location. Physically, we are present in each location about 6 months of the year.
• Have particular expertise in advising clients how to sustain their wealth and lifestyle during retirement. Originated the “4% rule” for withdrawals from retirement accounts, which is now widely used in the financial planning profession (see “The 4% Rule” tab).
• We are proud members of NAPFA, the National Association of Personal Financial Advisors, the premiere national organization for “fee-only” advisers (www.napfa.org).