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
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Full House: Adult Children Coming Home
If your adult children have returned to your once-empty nest, these tips might help promote a peaceful and productive living situation.
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Four Steps to Rebuilding Your Business
Small-business owners may need to think on their feet and visualize what a recovery might look like for their operations post COVID-19.
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Will vs. Trust: Know the Difference
Wills and trusts can each help in the distribution of assets at death. This article points out important differences between the two.
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Gift vs. Inheritance: Consider the Tax Difference
When deciding whether to gift assets now or transfer them to heirs at death, you need to understand step-up in basis and tax consequences.
Calculators
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Tax-Deferred Savings
Compare the potential future value of tax-deferred investments to that of taxable investments.
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Required Minimum Distributions
Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 72.
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Savings Goals
How much do you need to save each year to meet your long-term financial goals?
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Life Insurance
How much life insurance would you need to produce a sufficient income stream for your family?