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Dave Klenske 

2888 Loker Ave E, Suite 316
Carlsbad, CA 92010

Phone:

(760) 692-2202

E-mail:

  • Linkedin

Calculators

You can review interesting calculators on my site.

Contact Us

Please feel free to contact us with any questions.

Videos

We have interesting videos for you to watch on my site.

Committed to Helping You Pursue a Solid Return on Your Investment

Hi I'm Dave Klenske. I am a Financial Consultant from Carlsbad, California.  I help retirees and near retirees generate income to help cover the increasing cost of living, while still focusing on growing your nest egg. I do this by helping you create a personal retirement income strategy tailor made for you according to your needs and goals.

A personal retirement income strategy can help provide income for retirement, with the potential to increase over time while still focusing on growing your nest egg.  A personal retirement income strategy may be able to help you enjoy your retirement years by specifically:

  •  Helping to preserve your retirement income from stock market risk.

  •  Helping to build a cash flow stream for  income in retirement.

  •  Setting up income so it has the potential to hedge against inflation.

  •  Reducing the time spent managing your finances.

  •  And may help you to preserve some or all of your life savings balance throughout retirement

Survivorship life insurance may be a cost-effective coverage solution for older couples or business partners.

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Unlike retirement accounts, there are no federal contribution limits for variable annuities, and the investment gains won’t be taxed until they are withdrawn.

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The longest government shutdown in U.S. history ended on November 12, 2025. This article looks at the bill that ended the shutdown, issues that are unresolved, and estimates of the economic impact.

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Closed-end funds are considered to carry higher risk but may provide a higher income stream than traditional mutual funds holding similar securities.

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This Cash Flow Analysis form will help you weigh your income vs. your expenses.

How much can you afford to pay for a car?

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

This calculator can help you determine whether you should consider converting to a Roth IRA.

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