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Mario Hernandez

PrincipalLongevity Wealth Management

Walnut Creek, CA

Member Since October 2023

About

Mario Hernandez has been a Certified Financial Planner (CFP) since 1994 and brings a vast amount of experience in the financial planning and investment management business. Mario previously headed up the wealth management division at Gemmer Asset Management LLC and provided clients with holistic planning and helped prepare them for retirement. Mario currently writes a monthly column on retirement in Money & Finance Magazine, and has been quoted in several national magazines including Real Simple, NerdWallet and US News and World Report. Mario earned a Bachelor of Science Degree in Accounting and Finance from Cal State University, Hayward and a master’s degree in Financial Planning from Golden Gate University. In addition, Mario holds an insurance license through the State of California. Mario Hernandez is a registered representative of, and securities are offered through USA Financial Securities Corp., Member FINRA/SIPC. A registered investment advisor located at 6020 E. Fulton St., Ada, MI 49301. Mario Hernandez is an investment advisor representative of Longevity Wealth Management, a registered investment advisor. Longevity Wealth Management is not affiliated with USA Financial Securities Corp. CA insurance license California License # - 0I88273.

Published content

Financial Planning for Your Future in the Game of Life

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These steps are key when planning for your future.

Six Key Factors to Consider When Shopping for Long-Term Care Insurance

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Decisions regarding your long-term health should always be considered carefully. Navigating all of life’s curveballs can be one of the hardest parts of responsible life planning. No one can predict exactly what life will throw at them or where exactly they’ll be five, 10 or 20 years down the road. Thankfully, products like insurance can help cautious individuals plan for life ahead, giving them peace of mind even if the worst-case scenario never actually occurs.  One such insurance is long-term care insurance, which can help cover the costs of long-term care that may not be covered by your health insurance. Whether it’s due to aging or the result of a debilitating illness or disability, individuals who require regular care for the long term — or expect that they may in the future — may benefit from purchasing a long-term care insurance policy. However, not all policies are created equal, and careful consideration should be given to a number of factors before making a decision. To help, the financial leaders of Kiplinger Advisor Collective discuss those factors below, as well as how you can find the best policy for you and your needs.

Retiring Soon? Seven Expert Tips to Ensure Your Money Lasts

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Drawing up an intentional plan can ease your fears about not having enough. One of the biggest fears soon-to-be retirees have is that they won’t have enough money to last them throughout their retirement. And rightly so — with concerns surrounding inflation, recessions and a volatile stock market, over half of Americans feel behind on their retirement savings. These fears may keep them from taking the plunge and quitting their jobs once they hit retirement age, delaying retirement for years or perhaps even indefinitely.  However, with an intentional plan and the right support in place, you can retire comfortably — and confidently — at the age you choose. To provide some guidance on how to prepare, seven financial experts from Kiplinger Advisor Collective discuss their top tips for soon-to-be retirees looking for ways to make their savings last throughout their retirement and banish their fears of not being able to survive financially.

How Controlling Your Living Expenses Can Lead to Financial Freedom

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What should you consider in coming up with your living expense level?

Seven Big Mistakes People Make When It Comes to Estate Planning

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You don’t want to leave planning your legacy until the last minute. It can be difficult to put a value on a lifetime of accumulation — your money, your home, its furnishings, souvenirs from vacations, treasured gifts from your family. It’s a joy to collect these items over the years, but too few consider what will happen to it all when they’re no longer around.  From your life savings, to your digital assets, to what will happen to any beloved pets — all these things must be considered when estate planning. And while a qualified professional can help guide you through the process, there are still some mistakes people commonly make along the way. As leaders in the financial space, the members of Kiplinger Advisor Collective have seen numerous mistakes made by well-intentioned people who maybe just didn’t have the right information at their disposal. So here, they discuss those common mistakes and the advice they would give instead to ensure the estate planning process is a smooth one for all involved.

Seven Factors to Consider Before Choosing a Goal Age to Collect Social Security

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There’s more to this decision than simply when you want to retire. An important player in your overall retirement plan, Social Security can help fund your living expenses when you’re no longer able to work or are working reduced hours. However, as the payments you receive while drawing from Social Security only replace a partial percentage of the income you received while working, Social Security benefits should be considered supplemental rather than your only source of income. And while you can apply for your benefits at any time between the ages of 62 and 70, there may be reasons why you would want to delay receiving your benefits until a later date. So when should you plan to start collecting these benefits? While the answer can vary based on each individual person’s situation, the financial experts of Kiplinger Advisor Collective recommend considering these factors first before determining your goal age to begin collecting Social Security.

Company details

Longevity Wealth Management

Company bio

Longevity Wealth Management is a full-service financial planning firm. We provide holistic planning services that focus on helping clients define their goals, and provide solutions to meet those goals. In addition, we coordinate with the client’s other advisors (estate planning attorney, tax preparer, etc.), and act as the primary contact. ​We utilize a multi-step wealth management planning process. Our solutions incorporate all aspects of a client’s financial life – from deciding how much life insurance to purchase to helping to determine how to minimize taxes during retirement. In all cases, our main focus is on helping clients live their best life.

Industry

Financial Advising & Planning

Area of focus

Retirement Planning Services
Financial Planning
Insurance & Annuity

Company size

2 - 10