2344 Larimar Avenue
Carlsbad, CA 92009

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GFH Financial

(760) 448-6440

 
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Welcome to GFH Financial!

Our #1 goal is to provide our clients with clear, concise, and reliable wealth management solutions.  We accomplish this by operating independently, without bias, and fostering open and direct dialogue in straight forward, easy to understand terms. Honesty and integrity are at the core of our decision making process.  We take great pride in understanding the big picture, and above all, place our clients interests above those of our own. These values/attributes, we believe, are what distinguish us from the others within our profession.

We focus on:

  •   Wealth Management Strategies for Individuals / Families 
  •   Employee Benefits - Large & Small Businesses
  •   Insurance

Leveraging two decades of financial services industry experience, we provide services in the following topics:

  •  Investment Planning Strategies
  •  Income Tax Planning Strategies
  •  Insurance Planning Strategies
  •  Retirement Planning Strategies
  •  Employee Benefits
  •  Estate Planning Analysis
  •  Charitable Giving
  •  Succession Planning Strategies
  •  Special Needs Planning Strategies
  •  College / Education Planning Strategies

Gregg F. Himfar CFP® is a Certified Financial Planner™, with more than 20+ years of financial industry experience.  The Certified Financial Planner™ operates under a strict set of moral and ethical guidelines - namely the  CFP® Board's "Code of Ethics." 

CALL US TODAY!   PERSONAL CONSULTATION & PORTFOLIO REVIEW 

760-448-6440

 

Helpful Content

What Can a Million Dollars Buy You?

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

Understanding the Alternate Valuation Date

Understanding the Alternate Valuation Date

Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."

Should You Invest in Exchange Traded Funds?

Should You Invest in Exchange Traded Funds?

There are hundreds of ETFs available. Should you invest in them?

 

Estimating the Cost of College

This worksheet can help you estimate the costs of a four-year college program.

Getting a Head Start on College Savings

A few strategies that may help you prepare for the cost of higher education.

What Is a Stretch IRA?

If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations.

What Is a Roth 401(k)?

Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.

Global vs. International: What’s The Difference?

International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.

Required Reading: The Economic Report of the President

The Economic Report of the President can help identify the forces driving—or dragging—the economy.

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Paying Off a Credit Card

Enter various payment options and determine how long it may take to pay off a credit card.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Capital Gains Tax Estimator

Use this calculator to estimate your capital gains tax.

Interested in a Fuel Efficient Car?

Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.

Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.

Estimate Your RMD

Help determine the required minimum distribution from an IRA or other qualified retirement plan.

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Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

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The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

Safeguard Your Digital Estate

If you died, what would happen to your email archives, social profiles and online accounts?

Should I Invest in Gold?

Learning more about gold and its history may help you decide whether it has a place in your portfolio.

The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

Acres of Diamonds

In life it often happens that the answers are right in our own back yards. This may be particularly true of investing.

Your DNA Test

If you have a family that relies on your income, it’s critical to know what their needs would be in the event of your death.

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