Lindsey T. Randolph, CFP®
Welcome to Valley Financial Services, a company specializing in comprehensive retirement planning and estate conservation. Our mission is to help clients pursue lifelong financial security for themselves and those they love.
We are a full service company with skilled professionals assisting individuals and families for over 35 years. We develop and implement customized strategies to minimize taxes, help secure retirement income and maximize legacy to families and communities.
Our website has articles on a wide range of financial topics and includes financial calculators and other tools designed to answer your questions. If you want more information, click on Contact Us or call (209) 474-3465. Let us make investment planning easier for you. We are ready to help!
Newsletters
-
Looking for Value with P/E Ratios
Discover the basics of P/E ratios, with an emphasis on analyzing them in the appropriate context for making meaningful comparisons.
-
Business or Hobby? It’s All About Taxes
The difference between a money-losing business and a hobby matters at tax time. This article presents IRS criteria for making the distinction.
-
Municipal Bonds
Tax changes in the 2017 Tax Cuts and Jobs Act affect some investors more than others, with implications that spill into the municipal bond market.
-
Risk Tolerance: Stress-Test Your Portfolio…and Yourself
Do you know your personal tolerance for market risk? Here are three key questions that may help you find out.
Calculators
-
Cash Flow Analysis
This Cash Flow Analysis form will help you weigh your income vs. your expenses.
-
Mortgage Refinancing
Determine whether you should consider refinancing your mortgage.
-
Required Minimum Distributions
Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 72.