Life insurance with Living Benefits, Fixed Indexed Annuities

Right Time Financial

I specialize in working with individuals, families and businesses to set future goals and put retirement solutions in place. I have products that offer living benefits (the new life insurance) which gives my clients access to their death benefit without dying. People are living longer and surviving critical illnesses at a much higher rate these days. This allows them to outlive their retirement funds. Also, fixed indexed annuities that you can roll your 401k into and not have to worry about stock market losses. Ask about our products for youth that have tax free benefits that are less restrictive than the 529 plan. My services are free and I encourage any questions you may have.

Alameda County

Fernando Haro

Bay Area

Castro Valley

California

I specialize in working with individuals, families and businesses to set future goals and put retirement solutions in place. I have products that...

Personal Training with Unlimited DEXA and VO2 Max

Custom Fit

Most training programs run on guesswork. Custom Fit replaces it with measurement. At its San Francisco studios, Personal Training and Partner Training memberships include unlimited DEXA body-composition scans and VO2 max testing — diagnostics usually sold one scan at a time or reserved for specialized clinics. Custom Fit members can test as often as they train. The reasoning is straightforward. A DEXA scan measures fat, lean muscle, and bone density with clinical precision. A VO2 max test measures the body's maximum oxygen uptake, one of the strongest predictors of cardiovascular fitness and long-term health. Run those tests on a regular cadence and a member can see exactly what is changing, where, and whether a program is working — rather than relying on the scale or the mirror. That is the idea behind Custom Fit's positioning: not a gym, a performance lab. Every program is built from a member's measured body composition and cardiovascular capacity, then adjusted as the data moves. The goal is to eliminate the guesswork that defines most fitness routines and to treat training as something you can verify. The model also brings longevity diagnostics that usually live in concierge medicine into a routine training week. Body composition and cardiovascular capacity are central markers of how well a person is aging, and regular testing keeps those numbers visible rather than treating them as an occasional, expensive add-on. Custom Fit operates in Hayes Valley (323 Octavia Street), on Market Street (1844 Market), and with a Downtown San Francisco location on Battery Street (570 Battery) opening soon. Personal Training, Partner Training, and select memberships include the testing. More information is available at customfitsf.com.

San Francisco

San Francisco County

Most training programs run on guesswork. Custom Fit replaces it with measurement. At its San Francisco studios, Personal Training and Partner...

Shopping with a Purpose: Good Deals for a Great Cause

Shepherd's Gate New Life Thrift Store

Give Your Unused Things New Life at Shepherd’s Gate New Life Thrift Store! Your donations of gently used clothing, shoes or household items to the Shepherd’s Gate New Life Thrift Store in Livermore will do more than make room in your home — you’re giving those items a second chance to be useful and meaningful. The women and children who come to Shepherd’s Gate are seeking to start a new life. They are able shop for free at the thrift store for clothes for job interviews and school as well as items to furnish a new place to live after graduation. Proceeds from the thrift store directly support the women and children at Shepherd’s Gate by providing care, safety, education and encouragement as they rebuild their lives. For more information, visit us online at shepherdsgate.org/thrift-store

Michael Wittner

Livermore

Give Your Unused Things New Life at Shepherd’s Gate New Life Thrift Store! Your donations of gently used clothing, shoes or household items to the...

Coastline Christian Schools

Coastline Christian Schools in Alameda is a private preschool–8th grade school that partners with families to nurture students academically, spiritually, socially, and emotionally in a Christ-centered environment. With dedicated teachers, small class sizes, and a focus on individualized learning, CCS helps each child reach their potential while building strong character and faith. Students are enriched through STEM, athletics, arts, class trips, and community events, developing compassion, resilience, innovation, and leadership. At Coastline, families are welcomed into a warm, supportive community where students are known, cared for, and prepared to thrive.

Alameda

Coastline Christian Schools in Alameda is a private preschool–8th grade school that partners with families to nurture students academically,...

CASTRO VALLEY, CA — Palomares Road remains closed between Palo Verde Road in Castro Valley, and Niles Canyon Road, Highway 84, in Fremont, because of several mudslides, according to the Alameda County Public Works Agency.The hillsides are saturated, and continued rain has exaserbated the situation.There are signs in place advising drivers of the closure.— Image via Alameda County Fire Department

CASTRO VALLEY, CA — Palomares Road remains closed between Palo Verde Road in Castro Valley, and Niles Canyon Road, Highway 84, in Fremont, because of several mudslides, according to the Alameda County Public Works Agency.

The hillsides are saturated, and continued rain has exaserbated the situation.There are signs in place advising drivers of the closure.

— Image via Alameda County Fire Department

California mudslides

It's been tough getting around the past few weeks as drought-busting rain storms saturate the hills.

Latest on Palomares Road Closure

Community Corner

San Leandro

Union City

Contra Costa County

San Ramon

Dublin

Danville

Pleasanton

Piedmont

Angela Woodall

Lamorinda

Newark

Online FREE webinar by Zoom

I am a physician turned health coach and I love to help people get healthy.
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Most spikes come down to a few sneaky habits that look perfectly fine on the surface — and this quick video breaks down 5 of the most common ones. 👀
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Steadier energy. Sharper focus. Numbers finally moving the right wayThis is an educational webinar, no medical advice is given
Testimonial from a past program participant
I have been diagnosed as being prediabetic for over 15 years, I was concerned that I would become a diabetic so I wanted to do this program to see if I was already a diabetic and get a opportunity to reverse my condition. when I first started the program, my blood sugar numbers were very high but after having that monitor on and eating the way I was taught to eat I was able to get my Blood Sugar numbers under control and in a normal range. Rekha Murali, through her knowledge has taught me how to eat to live a healthy lifestyle, how to manage my stress levels and to get plenty of sleep. I no longer take any prescribed medications from my general doctor and I am so grateful for Rekha Murali showing me the way to live a healthy life. 
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; ~JA

Local Event: 5 Common Mistakes That Maybe Driving Your Blood Sugars Up

5 Common Mistakes That Maybe Driving Your Blood...


I am a physician turned health coach and I love to help people get healthy.
Ever eat something "healthy" and still watch your...

5 Common Mistakes That Maybe Driving Your Blood Sugars Up

🌱 Patch AM: CONSUMER FRAUD WORKSHOP and 14 more...

You won’t want to miss 5 Common Mistakes That Maybe Driving Your Blood Sugars Up on the Castro Valley Patch calendar

🌱 Patch AM: CONSUMER FRAUD WORKSHOP and 14 more events

🌱 Patch AM: Disney's Newsies and 12 more events

And on the Castro Valley Patch calendar - Final Day of the Summer Wine Super Sale! Up to 85% off!

And check out Summer Wine Super Sale! Wines as low as $6 per bottle when you buy 3+ cases on the Castro Valley Patch calendar

Los Angeles County

Los Angeles

Hollywood's First AI Movie Star: 5 Things To Know

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Arts & Entertainment

Across California

Grocery Chain Plans CA Expansion Following Mass...

The discount supermarket is widely known for its low prices and snappy jingle.

Grocery Chain Plans CA Expansion Following Mass Closures

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This East Bay City Is Best Place To Raise A...

A new report published by WalletHub identified this East Bay city as the top place in the country to raise a family.


This East Bay City Is Best Place To Raise A Family In US, Report Says

Who Wants A Paella Pan After Seeing This...

At least one Castro Valley backyard kitchen includes a dedicated propane paella stove. 

Who Wants A Paella Pan After Seeing This Glorious Dish?

Where To Go Horseback Riding In The East Bay

East Bay Regional Parks have hundreds of miles of trails open to riders along with arenas, boarding, lessons and day camps.

Trader Joe's 2024 Favorites List: All New Winners

Take a look at the annual list of the Customer Choice Awards winners and the runners-up in each category, released in January 2024.

Nearby Communities

State Edition

National Edition

Community Corner

Latest on Palomares Road Closure

It's been tough getting around the past few weeks as drought-busting rain storms saturate the hills.

Bea Karnes, Patch Staff

Find out what's happening in Castro Valleyfor free with the latest updates from Patch.

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5 Common Mistakes That Maybe Driving Your Blood Sugars Up

Custom Fit

Shepherd's Gate New Life Thrift Store

Right Time Financial

Coastline Christian Schools

Nearby Communities

State Edition

National Edition

Latest on Palomares Road Closure

It's been tough getting around the past few weeks as drought-busting rain storms saturate the hills.

Bea Karnes, Patch Staff<img alt="Verified Patch Staff Badge" class="styles-module-scss-module__AKw7-a__Badge" src="https://patch.com/img/cdn/assets/layout/badges/verified-patch-staff.svg"/>

Find out what's happening in Castro Valleyfor free with the latest updates from Patch.

Bea Karnes, Patch Staff