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About

Meet Jaron P. Hamlett, Sr. 

J.P. Hamlett, Sr. Financial Professional

BIOGRAPHY - Jaron P. Hamlett Sr.
Senior Managing Partner, Retirement Choices of California

Since 1987, Jaron P. Hamlett, Sr. has been at the helm of Retirement Choices of California, guiding countless individuals toward a secure and fulfilling retirement. A proud alumnus of Chico State University, Jaron has built a career rooted in expertise and dedication. His passion for financial literacy and commitment to helping others is inspired by those who make sacrifices for the greater good. When he's not working, Jaron enjoys the finer things in life, from golfing, vacationing in Bora Bora to dining at the City Club. Whether he's hitting the links or attending a networking event, Jaron's love for life is evident in everything he does.

MISSION - Empowering Your Future

Jaron P. Hamlett Sr.'s mission is to empower individuals to achieve their dreams by providing expert financial planning and education. He believes that everyone deserves the opportunity to live the life they envision, whether that means living lavishly or simply enjoying a comfortable retirement. Jaron is dedicated to sharing his knowledge of financial literacy, promoting business success, and providing insights into living a fulfilling lifestyle. Through his work, Jaron aims to inspire and guide his clients to take control of their financial futures.

THE METHOD  - Strategic Planning for Lifelong Success

Jaron P. Hamlett, Sr. combines decades of experience with a personalized approach to financial planning. His method involves understanding each client’s unique goals and crafting tailored strategies that align with their aspirations. Whether it’s through one-on-one consultations, insightful podcast episodes, or engaging committee meetings, Jaron brings his expertise to the forefront. He blends his love for networking, business promotion, and lifestyle advice to offer a holistic approach that not only secures your financial future but also enhances your overall quality of life.

  • How does a Roth IRA help me with tax planning for retirement?
    With a Roth IRA, you pay taxes upfront on contributions, but your earnings grow tax-free, and withdrawals in retirement are also tax-free. This can be advantageous if you expect to be in a higher tax bracket in the future. Jaron P. Hamlett, Sr. can guide you through the process of setting up a Roth IRA and creating a tax-efficient retirement plan.
  • What are annuities, and how can they provide income during retirement?
    Annuities are financial products that provide a steady income stream during retirement in exchange for an initial lump sum investment. They are particularly useful for those who want guaranteed income for life or a set period. Jaron P. Hamlett, Sr. can help you explore various annuity options and determine if they are right for your retirement strategy.
  • What is a 401(k), and how can it benefit my retirement?
    A 401(k) is an employer-sponsored retirement savings plan that allows employees to contribute a portion of their paycheck before taxes. It’s beneficial because it offers tax-deferred growth on your investments, meaning you won't pay taxes on earnings until you withdraw the funds in retirement. Jaron P. Hamlett , Sr. can help you optimize your 401(k) contributions and ensure that your plan aligns with your long-term retirement goals.
  • What are the benefits of an IRA, and how is it different from a Roth IRA?
    An Individual Retirement Account (IRA) allows you to save for retirement with tax advantages. Traditional IRAs offer tax-deferred growth, meaning you don't pay taxes until you withdraw funds in retirement. In contrast, a Roth IRA allows for tax-free growth and tax-free withdrawals in retirement, as contributions are made with after-tax income. Jaron can help you decide which option best fits your financial goals.
  • What is a 403(b), and who is eligible to use it?
    A 403(b) is a retirement savings plan similar to a 401(k) but is designed for employees of public schools, nonprofit organizations, and certain ministries. It offers tax advantages, allowing you to save on a pre-tax basis. If you qualify, Jaron can help you determine how to maximize your contributions and create a solid plan for retirement.
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