Retirement
Planning
done Right
Proper Planning for a Better Future
Trusted Advisor
Our clients know they are in good hands as we treat everyone like family, it's just how we do business
Substantial Tax Savings
We specialize in finding tax savings for your retirement that in some cases can save you millions throughout your retirement
About Neil
Neil Malkin brings over 20 years of experience in financial services, helping families, retirees, and business owners navigate the complexities of financial planning, Medicare, and group benefits.
His straightforward, client-first approach has earned him the trust and loyalty of those he serves, many of whom have worked with him for years.
Outside of his work, Neil enjoys supporting his two young adult children as they build their own paths. He loves spending time with his fiancée, getting out on local mountain biking trails, staying active at the gym, and enjoying the outdoors.
A dedicated Golden State Warriors fan, he also appreciates live entertainment—from comedy clubs to community theater.
Neil lives in the San Rafael area and remains committed to serving the Bay Area community.
Neil Malkin
Financial Services Specialist
Services
At First Financial Guarantee, Bay Area, every strategy begins with understanding your goals, your concerns, and your vision for the future. Neil provides clear, practical guidance to help you make confident decisions in every stage of retirement planning.
Retirement Income Planning
Design a retirement you can rely on. Neil helps you understand your income options, create predictable income streams, and build a long-term plan that supports the lifestyle you want—without unnecessary risk or guesswork.
Tax-Efficient Strategies
Keeping more of what you earn is just as important as how you invest it. Neil identifies opportunities to reduce your tax burden now and in retirement, ensuring your strategy works smarter over the long term.
Social Security Optimization
Choosing when to start Social Security can add—or cost—tens of thousands of dollars over a lifetime. Neil breaks down your options and helps you determine the most advantageous time to file based on your age, income needs, and family considerations.
Investment & Asset Protection
Neil provides strategies to help protect your nest egg from market volatility, rising taxes, and inflation. His approach focuses on smart allocation and risk-managed solutions designed for long-term stability.
Comprehensive Financial Guidance
From Medicare and healthcare planning to legacy considerations and long-range financial decisions, Neil offers ongoing support so you never have to navigate complex financial choices alone.
Client testimonials:
“It was immediately obvious Neil genuinely cares about his clients. He took the time to make sure he knew exactly what I needed and found a great solution. He was very patient with me to make sure I clearly understood my plan. Thank you, Neil.”
Rebecca M.
“Neil was very professional and personable when helping me find a safe place to park my extra money. I appreciate his patience and willingness to help me where others would not. Plus, I got a grat rate with a good reputable company. Highly recommend!”
Ronald P.
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