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We specialize in helping our clients pursue their financial goals through a variety and full range of investment solutions. Through our association with LPL Financial1, you have access to registered financial advisors who will work with you to develop a strategy for all of your financial and investment needs.
Call 925.256.3038 or send an email
The most important step in retirement planning is getting started. It’s never too early, or too late to start saving for retirement. Whether you have existing accounts or want to open one for the first time, we have a solution to help you reach that goal.
Traditional IRA – tax-deferred growth, tax-deductible contributions2
Roth IRA – tax-free withdrawals during retirement2
Simplified Employee Pension (SEP) IRA
Rollover IRA – convert and consolidate old 401(k)s and more2
IRA Transfer – move your existing IRA to Mechanics Bank2
Call 925.256.3038 or send an email
With the costs of higher education continuing to rise each year, a college savings plan is more important than ever. Discover the right tax-advantaged strategy to meet your savings goals for your child or grandchild.
College Education Savings 529 Plan1,5
Like a Traditional IRA, earnings grow tax-deferred until funds are withdrawn for qualified college education expenses such as tuition, fees, room and board, books and supplies.
Coverdell Education Savings Account1,5
Fund any level, starting with Kindergarten. Contributions are not tax-deductible, but like the 529 Plan, earnings accumulate tax-deferred.
Understanding your unique needs and circumstances, risk tolerance, current portfolio and tax considerations, we create an approach to help you protect and grow your wealth over time. It’s a highly personalized, customized, and objective-driven process that can incorporate even your most unconventional assets.
For more than a century we’ve been helping Northern California families and businesses preserve and grow their wealth for future generations. Working with your legal and tax advisors we create a customized plan that meets your specific goals and objectives.
1. Securities, investment and insurance products are offered by Mechanics Investment Services, through LPL Financial, a registered broker/dealer and registered investment advisor. Member SIPC/FINRA. Securities, investment and insurance products are:
2. Limitations and restrictions may apply to IRA accounts. Withdrawals before age 59 ½ may result in a 10% early withdrawal penalty from the IRS, and other fees. Future tax laws can change at any time and may impact the benefits of any IRA account. Certain conditions apply to tax deductible qualifications of Traditional IRA contributions. Certain conditions apply to qualifications of tax-free Roth IRA distributions. Always consult with your tax advisor to consider any and all tax ramifications before making any investment decisions.
3. Savings Accounts and Certificates of Deposit are offered through Mechanics Bank and are fully insured by the FDIC to current limits.
4. Investors should consider the tax impact, age and income restrictions before converting a Traditional IRA to a Roth IRA. The converted amount is generally subject to income tax during the time of conversion. Consult with your tax advisor before making any decisions.
5. Limitations and restrictions may apply to various Education Savings accounts. Consult with your tax advisor to consider any and all tax ramifications before making any investment decisions.
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