Your Personal Concierge to everything that is important

Imagine having one person to trust with all your everyday needs. Think about it. One person you could call to address issues that come up.


In the world of insurance, Gurdayal Singh is your life-line to such needs. He is not a salesman but rather an expert in his field….an expert at learning you and what you need and want. When it comes to coverage, this man makes the time to get to know you, addressing concerns and questions you have to feel fiscally supported and protected.

Whether it is personal insurance, from home, health and life insurance or to business. Gurdayal is on top of the cost analysis and benefits to any coverage you and your family need. His decades of experience and dedication to those he works with will help guide you through the maze of all the different programs and choices that are out there.

We would love to hear from you about your insurance needs. We would be honored to share a list of those individuals and businesses who we work with. It is an honor to share their kind words and experience with our service. As we want you to feel comfortable and supported every step of the way. This is important to know that Gurdayal will keep you up to date on any changes within the law or on any upcoming policy plans so you will have the best options at your finger tips.

Gurdayal Singh
Your Financial Advisor
(909) 548-7444
14726 Ramona Ave. Suite 410
Chino, CA 91710

Japan's catastrophic impact still lingers

The catastrophic earthquake and tsunami in Japan has certainly left its mark up in all of us.   Some have raised concerns about radiation exposure  and  The Nuclear Regulatory Commission (NRC) and many other agencies and public health experts indicate that Japan's nuclear emergency presents no danger to the United States at this time.
There doesn't appear to be any reason for concern at this time, if you'd like additional information, we recommend visiting the websites of your state public health agency or other federal agencies. (Excerpts from Kaiser Permanente clippings)
If you want to know more of how Jyot Financial Services can assist you on how to best address your concern about health benefits, please call 909-548-7444.
Gurdayal Singh
Your Financial Advisor
14726 Ramona Avenue
Chino, CA 91709

Prevention is the better than cure

I read this article about a new drug on recall from drugs.com, and it made me wonder about how this affects all of us.  How can certain drugs be approved for circulation and marketed to be a cure and only to find out that it can only do worse for us than good.  Although, at some point its great to know that FDA does check and will make an annoucement  like"Healthcare professionals and consumers are encouraged to report adverse events or side effects related to the use of these products to the FDA's MedWatch Safety Information and Adverse Event Reporting Program" .  But the question is how and why was it released.
Considering medicine is not cheap and even if let's say the money we used to pay for this medicines gets refunded it takes away the value of the money when it was purchased.  Plus not all have medical benefits.

It's great for those that have medical plans because it may be part of their coverage, but what about those that does not have any or those that have limited coverage.  What can you do when this happens? Jyot Financial will help you learn more about medical plans and how it can work for you.  Knowing your plan is always the best thing to do.  Let us help you. 


Gurdayal Singh
You Financial Advisor
909)-548-7444

FDA Alert: H & P Industries Povidine Iodine Prep Pads: Recall - Potential Microbial Contamination

FDA Alert: H & P Industries Povidine Iodine Prep Pads: Recall - Potential Microbial Contamination

Let us all reflect on what matters most

How many times have we heard someone say “we never know what will happen tomorrow”. When the tsunami happened in Japan, it made me think about how much we take for granted. Most of us work on things that need to be done when unforeseen situations happen such as calamities, accidents, and other situations that we are all afraid of happening. We read articles everyday about the after-effects of Japan and what is currently happening in Libya. Aren’t we all scared of what all this will bring us? I know I am and I believe you are too. I am afraid for my kids, family and for people that I care about. I am afraid of what the future holds for them. I am a Financial Advisor and I believe in staying on top of potential issues families may face in helping them understand how to better their financial situations. When there is just so much going on, I am here to help families and businesses stay afloat because I have faith and hope you do too.


Let us all strategize and think of what we should do for the coming years. So many things are happening that we should take the time to reflect on what are most important. Help is around us, all we need to know is who can best help us.

Gurdayal Singh
Your Financial Advisor
(909) 548-7444
14726 Ramona Avenue
Chino, CA 91710

Call 909-548-7444

Hi! I am Gurdayal Singh, a Financial Advisor for more than 20 years. It is part of my professional goal to continuously extend my services to businesses and families to stay afloat in any market crisis. I can help you and your business find ways to maximize your earnings. At the same time my company Jyot Financial Services can also provide you with any type of insurance protection that your company may require.

You can view a detailed description of the insurance products that we provide through www.healthplanhelpers.com or www.crisagency.com or call me at 909-548-7444 for other kinds of financial advise that you may require such as tax reduction, cash flow management, and a lot more.

Best Regards,

Gurdayal Singh

Your Financial Advisor

14726 Ramona Ave

Chino, California 91710

Linking 401(k) participation to open enrollment - Articles - Employee Benefit News

Linking 401(k) participation to open enrollment - Articles - Employee Benefit News

What can crisagency do for you?

What can crisagency do for you?

Helping families and small business is my pride and Joy

Jyot Financial Services Inc I take pride in helping others. In my profession, as a Financial Advisor, I have been able to continuously guide families and businesses stay afloat in the market crisis. I have been a financial advisor for 28 years now, and I have been helping a lot of families and businesses learn how to manage their finances and I am sharing this with everyone with the hope that I get to help more.

Gurdayal Singh, Financial Advisor
http://www.crisagency.com/
http://www.healthplanhelpers.com/
(909-548-7444

Key to Life is Balance.

Dear Friends:

A client called recently to share a story of her visit with her grandson to the state fair.  Her grandson’s face was dotted with bright freckles and at the fair he stood in line to have his face painted with tiger paws.  When the artist saw the little boy, he said, “You’ve got so many freckles, there is no place to paint.”

Embarrassed, the little boy dropped his head.  His grandmother knelt down next to him.  “I love your freckles.  When I was a little girl I always wanted freckles.”  She said, while tracing her finger across her grandson’s cheek.  “Freckles are beautiful!”

The boy looked up, “Really?”

“Of course,” she said.  “Why, just name one thing that is prettier than freckles.”

Her grandson thought for a moment, peered intently into his grandmother’s face and softly whispered, “Wrinkles.”

The key to life is balance and the appreciation for the gifts that come our way each day.

Sincerely,

Gurdayal Singh
Your Personal CFO
Creating Value for Life
www.crisagency.com
www.healthplanhelp.com

The Daily Decibel

The Daily Decibel

Jyot financial gives you the following services

We Create Value for you

Jyot Financial & Insurance Services aims to share with every individual the value of protecting yourself, your loved ones and hard earned possesions.  We are a Full Service Independent Financial Planning Consultancy & Insurance Agency.  We offer our clients Options & Superior services. Visit our websites http://www.jfsinc.net/ and www.crisagency.com to learn more of what we can give YOU.

Call us today at 909)614 4100 or Email us and one of our knowledgeable staff members would be glad to provide a FREE no-obligaton quote for ALL of your protection needs.  



Gurdayal Singh

Your Financial Advisor

Our Location

14726 Ramona Ave

Chino, California 91710

Health Care Reforms - How it affects your business from Kaiser permanente

Health Care Reform - How it affects your business

The passage of the Patient protection and Affordable Care Act initiated the most significant changes to the U.S. health care system in 45 years.  While many key aspects of the legislation will phase in over the next few years, there will be significant changes for your business and your health plans in the coming months.  Kaiser is working hard to implement the legislation and is committed committed to providing information to help you make decisions about your coverage.  In the coming days, Jyot Financial  & Kaiser will be providing you some information about upcoming provisions  that affect commercial (non-Medicare) plans for small businesses.

DEPEDENT COVERAGE EXTENDED UNTIL AGE 26

If your plan offers coverage for dependent children, the new law extends that coverage for young adults until they turn 26, whether or not they're in school.  Although the law is effective starting with plan years beginning on or after September 23, 2010, we partially implemented it June 1, 2010, for small businesses to help prevent a covereage gap for graduating students.  Eligible dependents who aged prior to June 1 can re-enroll for coverage during your usual open enrollment period if they will be under age 26 on the first day of your plan year.



Jyot Financial & Insurance Services, Inc is an Authorized broker of Kaiser Permanente Health Plans.
Gurdayal Singh
Your Financial Advisor
14726 Ramona Ave.,
Chino, California 91710
Tel:  909) 548 7444
www.jfsinc.net
www.crisagency.com
www.healthplanhelpers.com
http://www.facebook.com/home.php#!/pages/Jyot-Financial/89974860824


Link to Kaiser Permanente: https://businessnet.kp.org/health/plans/ca/home

Gurdayal Singh, Creating Value for you

Creates Value in your Life

Jyot will help you Reduce your Taxes

Jyot can create Financial Freedom for you

Jyot will remove Financial Stress in your Life






Call 909)548-7444 or Email us singh@jfsinc.net
or follow Gurdayal Singh in Facebook & Twitter

Let us get to Know Mr. Gurdayal Singh

Gurdayal Singh  is the principal of Jyot financial and Insurance Services since 1988, an independent firm specializing in comprehensive planning.  He brings wealth of experience and a strong sense of customer care, confidence and prestige to every relationship.  As an expert, Gurdayal enjoys educating his clients on the different strategies and techniques improtant to achieving their financial goals.

Gurdayal graduated with a masters degree in Business Administration.  He is fully licensed and accredited by the State of California to provide extensive financial & insurance services. His ongoing participation in continuing education programs in this field to remain up to date on applicable laws and regulations, further exemplify his commitment to fulfill and attain the financial security for his clients.

Gurdayal has always been an active member of the Sikh community, a very personable man.  Well liked in the community .  He has helped the community in the form of fund raising, voluntary teaching and a supporter of the American Heart Association.

Gurdayal is a dedicated husband to Sandeep and father to Sahib and Divjot.

Jyot Financial and Insurance Services, Inc
14726 Ramona Ave., #410
Chino, California 91710
http://www.healthplanhelpers.com/
http://www.jfsinc.net/

Let's make our New Year's Resolution work

How can we make our New year's resolution happen?  When we look back to last year's resolution, how many of us, can say I made it happen for me 100%!!! Why was   it that we were not able to achieve some or all of it?

Let us start by thinking about all the things that stand in the way of achieving our new year's resolution. Why are they there in the first place??

1.  Worry of Failure is your Greatest Hindrance to Achievement.   Never forget that failure is a given as we go as a result of daily life. We all make mistakes as we live our lives facing the future. Success is built on the foundation of failure. Extremely rare do we attain success without having issues, difficulties, and wrong decisions. These only make the accomplishment that much sweeter when it is reached. Nothing worthwhile is ever reach with out a struggle.

2. Your Shyness is one of the hindrance to your success (Let your Shyness not be a hindrance in your Achievement) 



 3. Not knowing how & where to start.  Let me share this article 2011 making Changes: One Step at a time, it will guide you through in making your new year's resolution happen. Note that its important to take some deep breathes and say "I can make the changes I want." If you can, try to focus on one or two hopes to address. This will allow enhanced focus and a more manageable one.

4. We have the tendency to overwhelm ourselves with so many things that we want to do and this stops us from achieving our goal of making our new year's resolution happen.  Dont overwhelm yourself or give up: Keep your Focus on one Definite purpose.

With these said my dear friends, let us take one day at a time, no pressure on ourselves, staying on focus, keeping that smile on our face will gear us towards fulfilling our New Year's resolution.

Gurdayal Singh
Your Financial Advisor
www.jfsinc.net
http://www.facebook.com/twitter/#!/pages/Jyot-Financial/89974860824
14726 Ramona Ave., #410
Chino, California 91710
Tel: 909) 548-7444

What are 529 plans?

Section 529 plans are popular college savings vehicles. Due to the demand for them, nearly every state now operates at least one type of 529 plan (either a prepaid tuition plan or a college savings plan), and an increasing number are offering both. To choose the type of 529 plan that's right for you, it's important to understand how prepaid tuition plans and college savings plans work and the differences between them.

How does each plan work?

As 529 plans, both college savings plans and prepaid tuition plans offer significant federal tax advantages. Funds in each type of plan grow tax deferred, and withdrawals from either plan used for the beneficiary's qualified education expenses are completely income tax free at the federal level. But despite these shared tax advantages, college savings plans and prepaid tuition plans are different creatures.

A college savings plan lets you build an education fund within an individual investment account. Money you contribute is invested in one or more specific investment portfolios. Each portfolio consists of a mix of investments (typically mutual funds) that are chosen and managed exclusively by the plan's designated money manager. You generally pick your investment portfolio at the time you open an account, or else one is automatically chosen for you. Your investment return is not guaranteed.

In contrast, a prepaid tuition plan lets you purchase tuition now for use in the future. There are generally two types of prepaid tuition plans: contract plans and unit plans. A contract plan (sometimes known as a guaranteed interest plan) promises to cover a predetermined amount of tuition expenses in the future, in exchange for your lump sum or periodic contributions.

With a unit plan, you purchase a certain percentage of units or credits and the plan guarantees that whatever the percentage of college costs such units cover now, the same percentage will be covered in the future. For example, assume that 100 tuition credits are required to fund one year's worth of tuition at State University today. You purchase 100 credits today for $8,000. The result is that when your child starts college at State University in 12 years, your $8,000 will theoretically pay the entire first year of tuition, even though tuition costs may have risen to $20,000 per year by then.

AnyTen.Blogspot.com: 10 Ways to Fulfill your New Years Resolution

AnyTen.Blogspot.com: 10 Ways to Fulfill your New Years Resolution

Finding the "Right" Financial Advisor For You

Finding the “right” financial advisor involves some tough decisions.  I have been looking in the market for the right one and I have no idea what to look for,  this statement  is so common when we look for the right person to advise us.  Here are some questions that we must address to find the “Right” Financial Advisor:

1.      How long has he been in the business?  More years in the field means more possibility of  having more knowledge in the flow of the market.  How changes happen and how the market gets influenced, thus affecting your investment.

2.      How many clients  the advisor has at present and in the past?  Having too many at present may also not be good for you because it will be difficult to get his help when you need to because of  availability.  More clients may mean less time for you.  But then there are Financial Advisors with big client database but are still able to address all their concerns.  The financial advisor should be able to answer the question "how he is able to manage the needs of his clients".  How he handles his schedules and how he makes his own set of priorities?

3.      What is it that you need?  This is most important, knowing what it is that you need.  It will be difficult for you to find the Right Financial Advisor if you do not know what you need and what you have already.  Identify your needs so it will be easier for you to find the right Financial Advisor that fits you.