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Reef Marketing, marketing, mortgage, planning, financial planning, financial advice, alternative ways to save, savings,
retirement planning, retirement, lower taxes, lower federal tax, lower state tax, down payments for homes, college tuition, comfortable retirement,
comfortable living, living comfortable, keeping up with inflation, fighting inflation, licensed, experienced, Southern California, California, Los
Angeles, Los Angeles California, Marina del Rey, Securities license, Department of Corporations, mortgage broker's license, individual needs,
personal planning, tailor made solutions, tailor-made solutions, Personal Financial Planner, evolved planning, Serano, James T. Serano,
impeccable information, service, advice, trustworthy, competence, key resource, annuity portfolios, annuities, Roth, IRA, Roth IRA, low rates,
prepare for the future now, caring, positive and profitable, home purchases, painless savings, back-end tax breaks, Taxpayer Relief Act of 1997,
New Roth IRA
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