Wealth Strategies Group
Melvin J Honda, CLU® ChFC®

Financial Services Representative
Financial Planner
Special Needs Planner
(CA Insurance License # 0438716)

Welcome and thank you for visiting! Our mission is to provide Financial Planning, and Investment Advisory Services for Professionals, Business Owners, Businesses and Executives to develop their financial objectives, and to achieve those objectives through various financial products and investment services that are designed to meet their present and future needs.

Mr Honda is a Financial Planner providing comprehensive written strategies to his clientele.  He has an extensive background working with professionals, businesses,  business owners and executives, providing them with tax advantaged strategies for the accumulation of wealth, controlled distribution of wealth, employee benefits and the extensive use of charitable giving as appropriate.  His unique strategies help his clientele to achieve their goals, dreams and aspirations, help his clients to achieve their goals and dreams and to have a life income after working years to live a comfortable life.

Mel has been selected as one of a select number of Special Needs Planners nationally to provide workshops and individual consultations to families with children and adults with special needs

The goal of the MetLife Center for Special Needs Planning is to help you make informed decisions about issues that affect your financial well being so you can achieve financial freedom. I hope you find this site informative and useful. Feel free to contact me if you would like more information about a particular MetLife product or service. I look forward to hearing from you.  

Mr Honda provides Educational Workshops for Institutional clientele, businesses and groups within the community.  Mel offers complimentary consultations to the attendees.  These workshops address all aspects of Retirement Planning.  The largest concern of retiring Baby Boomers is how they can accumulate sufficient retirement assets, how they can create a lifetime income and how they can enjoy their post retirement years.    Most importantly, Mel provides the consultations that allow attendees the "know and not wonder" if they can achieve their retirement goals on the basis that they want .

I am licensed and registered to offer products and services in [California]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Credit Card Debt

How Long Will It Take to Pay my Balance?

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Car Affordability

How much can you afford to pay for a car?

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There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

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