California Retirement Planning
True Wealth Plans
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
True Wealth Plans is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
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Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
William Baylin
Founder
With over 35 years of experience in the financial services industry, William J. Baylin—known to clients and colleagues as Bill—has dedicated his career to helping individuals and families build, protect, and transfer wealth with purpose. A graduate of San Diego State University’s School of Business with a degree in Finance and Management, Bill has held Series 7 and 65 securities licenses and worked with respected firms such as E.F. Hutton and Prudential Securities, gaining a strong foundation in investment and retirement strategies.
Bill also brings valuable experience from the real estate industry, having worked as a Title Officer and Title Researcher. This background enhances his ability to guide clients through the intricacies of asset ownership and protection, adding depth to his financial advisory services.
As a proud member of Ed Slott’s Elite IRA Advisor Group, Bill specializes in qualified retirement plans and estate planning, with a focus on tax-efficient strategies for retirement income. His ongoing commitment to staying current with the ever-changing tax code ensures that clients receive informed, forwardthinking guidance tailored to their long-term financial goals.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in June–August 2026
- There are no events scheduled during these dates.
Our Downloads
Optimizing Social Security
Many Americans rely on Social Security in retirement, counting on it for their monthly income. That’s why it’s crucial to understand how to construct a tailored Social Security claiming strategy for your unique financial situation and timeline. But even if you don’t rely on it, you could still benefit from knowing when the right time to claim Social Security is for you. Although you will most likely not be able to maintain your current lifestyle on a Social Security benefit alone, it can make up a significant portion of your income and is guaranteed for as long as you live. As such, Social Security is a crucial part of your retirement plan. However, it’s not uncommon for people to claim Social Security at suboptimal times or to run into unexpected, costly complexities concerning how their Social Security benefits work.
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
