Apple & Associates

Apple and Associates was founded in March of 2000 by Daniel B. Apple CFP(R), who has been proudly serving the Northern California area since 1984. We are headquartered in Grass Valley, CA. In the modern financial services industry, the lines between sound financial advice and commission-based product sales are often blurred.

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future.

Our mission is to get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that's designed to address your individual situation. From managing debt to saving for college to retirement, these personal finance challenges can be overwhelming.

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired - or approaching retirement - please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

Determine when you would ideally like to retire and what your lifestyle will look like in retirement. By understanding your current expenses and how your lifestyle may change once retired you can paint a clearer picture of your retirement expenses. Determine the most efficient way to take income in retirement to focus on maximizing income and minimizing taxes.