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Cobert Financial Group

Financial Planning, Investment Management, Retirement and Estate Planning

Welcome to the website of Cobert Financial Group. Here you have access to your account information in a private and convenient manner. Additionally, in our constantly changing newsletter you will find informative articles related to various Financial Planning topics such as Retirement, Inflation, Investing, Risk Management and Taxes. There are also helpful financial calculators for several of these same applications. We hope you bookmark this site, and visit often. You can find further information on Payment Savy @

Cobert Financial Group is a San Francisco Bay Area financial services firm assisting clients since 1989. Nathan Cobert is experienced in creating Financial Plans to provide you with a road map to your financial objectives, Investment Portfolios to prepare for Retirement and Income Portfolios once there. All are designed around a comprehensive Risk Tolerance analysis. These Investment Accounts are then analyzed and monitored with thorough monthly and quarterly performance reports and regular face-to-face performance reviews. In addition, Estate Planning* and Charitable Giving strategies are incorporated when appropriate. Our mission and core value is "Helping our clients achieve their financial goals."

Professional Designations CERTIFIED FINANCIAL PLANNER™(CFP®) Chartered Financial Consultant (ChFC) Chartered Life Underwriter (CLU) FINRA Registrations: Series 6, Series 7, Series 65 Professional Affiliations: Financial Planning Association, Society of Financial Service Professionals, Redwood Empire Estate Planning Council, Board of Directors and Past President: Sonoma County Senior Advocacy Services, Member: Financial Abuse of Senior Task Force Our staff strive to provide truly excellent service. Please do not hesitate to contact us directly with any questions, concerns or suggestions. CFP®, CERTIFIED FINANCIAL PLANNER™ AND CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

Financial Plans are offered through AXA Advisors

*Through the use of life insurance and other financial products.


Buy-Sell Agreements

As a business owner, you might know with equal certainty what you are going to do tomorrow and what you intend to do years from now. Unfortunately, life sometimes steps in and hands us a surprise. But you may be able to plan for that eventuality by putting together a buy-sell agreement.

Time to Get Back to RMDs

If you took advantage of the temporary reprieve that allowed you to skip required minimum distributions from traditional IRAs and employer-sponsored retirement plans in 2009, be aware that no such exemption exists for the 2010 tax year.

Understanding the Potential Benefits of Mutual Funds

Mutual funds offer the opportunity to invest in a wide range of asset classes, industries, and securities. In fact, some mutual funds invest in hundreds of securities, providing a level of diversification that individual investors might find difficult — and expensive — to duplicate on their own.

An Estate is a Terrible Thing to Waste

A will is certainly the best place to start. However, the goal of any estate strategy should be a smooth transfer of wealth to your heirs.

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