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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Debit or Credit? Pick a Card
Do you know the differences between debit and credit cards? This article discusses both and when it might be better to use a credit card.
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Passive, Active, or Both?
Passively managed index funds and actively managed funds can perform differently over different market cycles. Find out more about each.
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Take Advantage of Deductions for Business Investments
A look at bonus depreciation and Section 179, plus CARES Act changes that may benefit companies that reconfigured spaces for safety reasons.
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Money Market Funds in a Low Rate Environment
Did you know there still may be reasons to hold money market mutual funds despite low yields? Read this article to find out more.
Calculators
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Retirement Plan Early Distribution
Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.
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Mortgage Refinancing
Determine whether you should consider refinancing your mortgage.
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Estate Taxes
Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.
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Tax-Deferred Savings
Compare the potential future value of tax-deferred investments to that of taxable investments.