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Family Firm with Family Values

Retire Confident.
Retire Comfortable.
Retire Your Way. 

A Hand-Holding Approach

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Retirement comes with a flood of decisions
401(k) rollovers, income planning, Medicare, Social Security, RMDs, tax strategies, and more. Without a clear plan, it’s easy to feel overwhelmed. That’s why we create a personalized strategy to help you maximize wealth, reduce stress, and enjoy the retirement you’ve earned.

Over 60 Years of Trusted Financial Guidance

At Advanced Planning Solutions, we’re an independent, fiduciary firm built on one simple principle: put clients first—always. With decades of experience and a personal, educational approach, we help you plan confidently and live comfortably.

Financial Confidence Starts with a Plan

We'll help you answer the questions that keep you up at night 

  • Will I run out of money during retirement?

  • Do I have a reliable income stream in Retirement?

  • How do I handle an upcoming inheritance?

  • What happens if there is a market downturn?

  • Are my investments tax-efficient?

  • When should I take Social Security?

  • Do I need Long Term Care insurance?

  • When is my RMD?

Our Trusted Partners

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Fraud Defense

Carefull is a fintech platform designed to protect you from financial threats, including fraud, scams, and common money mistakes.
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Investment Bank

Charles Schwab is one of the most trusted names in the financial industry, helping millions of individuals and families take control of their financial futures. 

Financial Clarity 

Asset-Map is a powerful visual tool we use to simplify and clarify your entire financial picture. It helps us identify gaps, opportunities, and strategies on one easy-to-understand page. 

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Tax Intelligence 

Holistiplan simplifies tax planning by instantly analyzing your tax return and identifying opportunities to reduce your tax burden.

Luxury Beach House

Let's Talk

We offer complimentary consultations for individuals with investment portfolios of $500,000 or more—no commitment required.


As part of the meeting, we’ll create a personalized 1-page Asset-Map and review it with you over Zoom or in person.

 

 

Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC,a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License# 0I59024.

 

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.  All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.

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This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com.

Online Privacy Policy | Important Disclosures | Business Continuity | Privacy Policy | Order Routing Disclosure

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Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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FINRA's BrokerCheck: Check the background of this investment professional on FINRA’s BrokerCheck.

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225 Avenue I, Suite 201

Redondo Beach, CA 90277

Contact: (310) 792-2424

Email: John@APSadvisor.com

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Nancy Gragg, CWS® AIF®
John Gragg, CFP®

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