Hello!!!... Welcome to the Alpha2Omega Financial Solutions Website, where we believe, the Key to Success is Preparation.  We are a financial services company, we offer a complete set of personal business services (Income Tax, Financial Planning including Insurance, credit repair, bookkeeping, Real Estate, Estate Planning) most people use.  We call it a Financial Maintenance Organization or FMO.  Like a Health Maintenance Organization that coordinates medical services for your medical health, we want to take care of your financial health from the beginning of setting your financial goals and guide you on the journey of reaching them.  We focus on serving those who serve others. The fee to join the FMO is $50 and it includes many services.

Under the FMO concept, we do things differently as we provide our services.  First of all since the services are coordinated, the client's interests are always served first.  Our goal is to help clients reach their long term objectives, to increase the client's overall wealth.  We are interested in a long term relationship, not the individual sale. It does make a difference, as you will see when the services are not fragmented.

The second thing is client education. We offer classes and also explain what different options mean, so you can make the best decisions for you and your family.  

The third thing we do, is offer options on how services are provided.  We recognize that people are different and have different needs and abilities.  This is a modern age, a computer age and we try to adjust to the different people who live in this age. The computer savy or the not so savy.  We proudly offer the following services.....

INCOME TAX SERVICES:  We offer year around tax preparation and planning services. Tax preparation is included in your annual membership fee.

BOOKKEEPING SERVICES:  We offer full service bookkeeping services to our members. We give the entrepreneur and home based business owner the thourough attention they need at an affordable price. We also help other independent contractors and families that have multiple streams of income prepare for their taxes so they are not surprised with a large tax bill on April 15th. If you were notified that you needed to pay estimated tax or fit into any of these other circumstances listed above you may want to talk to us about our affordable bookkeeping services which start at $25 per month.

CREDIT REPAIR: We also offer asistance to our clients for credit repair. We work with you through the process of challenging deraugetory information and assisting you in getting incorrect information removed.

Financial Planning:  This is a comprehensive process of formulating, implementing and monitoring multi-functional decisions developed with a client that enable the client/family to reach financial goals.  The managing partner responsible for financial planning services, is a graduate of the program at U.C. Davis.  We generally meet with our clients at least 2 times a year, once for tax preparation and the second for a financial planning update.  Please ask for our financial planning CD. The CD is free to FMO members and will help us estimate the fee and options for a complete financial plan.  The initial discussion and annual review is already included in your FMO fee of $50. 

Estate Planning:  Many people think that they cannot afford to have a financial planner or an Estate Plan, but you will actually have a plan, no matter what you do. You will either have the one imposed upon by the government and others, or the one you create for yourself.  The Federal Estate and Gift Tax Rate starts at 18% (for $0-$10,000, 2007-2009) and goes to 45% and that is just Federal, and does not include state taxes.  Instead of giving half of your estate to the government, with a little Estate Planning, you can transfer a lot your assets and those of your surviving spouse and pay little or no taxes.  There are $12,000 per person gifts and a $Million dollar lifetime exclusion that if done correctly, can transfer tax free.  This is more than just a will, we will work with an attorney to develop your Estate Plan. 

Most financial planners require a high networth to accept a person as a client.  Alpha2Omega includes the initial review in your FMO membership and if your estate is simple there are nominal options for an Estate Plan.

Insurance Services:  Also included in your FMO membership is insurance review.  Have you actually read  your insurance policy?  This is an important contract, but few people ever read it or if they do read it, they don't understand what it means. We will review your policies to make sure you understand what is covered, but more importantly, what is not covered.  We will also advise you, if we think you are overinsured.  You need to know your coverages, before you have to turn in a claim, not after.  We also offer classes that cover common insurance topics, so you can choose the best options for your family.

We will offer you insurance products if you are interested but it is not a requirment to buy our insurance products to receive the review of your policies. This is a free service with your membership.

Also available are annuity products.  

Real Estate Services:  We have licensed Real Estate Agents working in the FMO.  We also work with others who have agreed to discount their fees.  These discounts apply not only to Real Estate Sales, but also with Loans.  They are coordinated through a financial planner and always include a financial plan that will display the clients income and expenses, not only when the loan is started but into the future, especially if the mortage payment will increase.

We also offer FMO members options on traditional full scope Real Estate services, as well as, modified low cost options for the do-it yourself client.  Please call for details.  Initial services are included in the FMO membership, then choose the option that is best for you, your situation, and experience level.   

Legal Insurance:  We offer a variety of services, but we do not practice law.  We do need to work with attorneys for a variety of issues so attorneys are needed to complete our team.  The ability to pick up the telephone and contact attorneys, who are specialists covering a variety of areas is invaluable.    

Coming Soon....  We are developing a network to offer a travel agency services that not only offers discounted travel, but travel that may be partially or entirely tax deductible for some taxpayers.  This includes travel to exotic locations for continuing education as well as income tax  and investment seminars.

Call us at.....(916) 979-7034, or email us at..... (info@myalpha2omega.com) for an appointment, or more information. 

License #s.:

DOI (Department of Insurance)RS Johnson Insurance 0F28389

CTEC (California Tax Education Council) A154488, A156867

DRE (Department of Real Estate)RS Johnson Real Estate services 01824267

Member Financial Planning Association  Member Sacramento Metro Chamber of Commerce