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2008-01-20T00:00:00.000Z

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Background Information

Employment History

Certified Financial Planner

Hornor , Townsend & Kent , Inc.

Director - Government Relations and Ethics

The Comprehensive Financial Group

Director - Government Relations

FINANCIAL PLANNING ASSOCIATION oF SAN DIEGO

Web References (11 Total References)


Steve Hansen is a certified ...

www.signonsandiego.com [cached]

Steve Hansen is a certified financial planner with Hornor Townsend & Kent in San Diego.He has worked in financial services for 25 years, with early experience in mortgage lending and life and disability insurance.In addition to managing a financial planning practice, Hansen has spent much of his career teaching money management and retirement planning classes for schools and corporations.He serves on the board for the San Diego chapter of the Financial Planning Association and is a member of the Foothills United Methodist Church finance committee.

...
The association chose Steve Hansen, a certified financial planner with Hornor Townsend & Kent in San Diego, to work with the couple and make recommendations.In exchange for sharing their story in the newspaper, the Littens received a comprehensive plan at no charge.
After an initial review of the Littens' finances, Hansen was able to reassure them that without question they're on track with retirement plans, and that an earlier retirement is a good possibility.
In fact, the Littens have been so good at saving that Hansen's first recommendation was that they consider backing off from their 401(k) contributions.
"The Littens are very investment-oriented people, and they've done all the right things," Hansen said.
...
> Hansen told the couple that their estimate is a good number to start with, but that it might be too tight of a retirement budget to support their lifestyle, particularly when factoring in annual cost-of-living increases.Even though the Littens are helping one of their two daughters attend community college, Hansen asked them to consider future expenses such as helping their daughters pay for their weddings and the eventual purchase of new cars.
He also asked them to consider the purchase of long-term care insurance as a way to protect assets in late retirement.
...
Based on the Littens' estimated retirement expenses and the cost-of-living inflation between now and then, Hansen estimated that their income needs at age 65 will be about $120,365.
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"Even with the annual deduction of $16,000, the Littens have been really aggressive with their investments," Hansen said."With a moderate growth rate of 5 percent and an estimated 4 percent annual inflation, I was able to show them that their savings will carry them through from the retirement age of 65 to at least 89."
The Littens could retire early if they wanted to, but Hansen said the timing would really be determined by their actual retired expenses, their portfolio growth and additional income sources such as real estate.
To help stabilize their portfolio growth in preparation for whenever they decide to retire, Hansen recommended that they diversify toward more stable large-cap, balanced and limited-term bond funds for less volatility and more moderate growth.
"For the first 20 years, the Littens went for the most aggressive thing they could," Hansen said.


The Financial Planning Association of San Diego

fpasandiego.com [cached]

Steve Hansen

...
Steve Hansen, CFP® Director - Government Relations / Ethics Comprehensive Financial Group shansen@htk.com 4350 Executive Drive #215 San Diego, CA 92121 858-622-0066 x234 | 858-622-0215 fax


FPA Financial Planning Association San Diego

www.fpasandiego.org [cached]

Steve Hansen, CFPDirector-Government Relations shansen@htk.com4350 Executive Drive #215, SD 92121858-622-0066 x234858-622-0215 fax


Steve Hansen, ...

www.fpasandiego.org [cached]

Steve Hansen, CFP®Director- Government Relations / Ethics Comprehensive Financial Group shansen@htk.com4350 Executive Drive #215, SD 92121858-622-0066 x234 | 858-622-0215 fax


Steven Hansen, CFP®, ...

www.cfgsite.com [cached]

Steven Hansen, CFP®, CDFA

...
Steven Hansen, CFP®, CDFA
Vice President
Phone:858-622-0066 Fax:858-622-0215 E-mail:shansen@htk.com

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