Leo Do Carmo of Contemporary Retirement Strategies: I have been in the Financial Planning Field since 2003 holding with LPL securities registrations 7, 63 and 66 as well as Life and Disability Insurance license in California. Specialties: Detailed financial analysis of individuals, couples, families and business owners and concise customized recommendations to grow, preserve and distribute income in the most tax efficient and strategic manner. Also available on a fee basis: working with professional money managers to offer additional investment choices and teachers and school administrators helping supplement CALPRS and CALSTRS plans with TSA and/or 403b tools to enhance retirement income.