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,...

Any truth to the rumor that Rite-Aid is closing?  Any word on its replacement?

Any truth to the rumor that Rite-Aid is closing?  Any word on its replacement?

Community Update

Local Voices

San Leandro

Union City

Contra Costa County

San Ramon

Dublin

Danville

Pleasanton

Piedmont

Angela Woodall

Lamorinda

Newark

Malonga Casquelourd Center

Oakland’s longest running Youth Circus returns with its FREE summer shows!
Join the young stars of Prescott Circus as they share their joys and talents through stilt dancing, tumbling, juggling, and more. Oakland youth inspire young and young at heart through a one-hour show that demonstrates teamwork, pride, and joy. This show is performed by OUSD students ages 8 - 17 from over 10 different OUSD schools who have been training and creating since the beginning of June.&nbsp;&nbsp;
Tuesday, July 14
11:00am &amp; 1:30pm&nbsp; - ASL Interpreted
Wednesday, July 15, 2026
11:00am&nbsp;+ BONUS COMMUNITY SHOW:&nbsp;
Saturday, July 18, 2026
2:00 - 3:00pm&nbsp;
DeFremery Park
1651 Adeline St., Oakland, 94607ABOUT PRESCOTT CIRCUS THEATRE: Now in its 41st year, the Prescott Circus Theatre (PCT) is a nationally recognized performing arts education program for Oakland youth. PCT offers safe environments that challenge Oakland youth, through circus arts training, to develop the skills and confidence to thrive on stage, in school, and in life. This is accomplished through no-cost school and community programs for over 300 Oakland youth each year. Performing Company members from Prescott, where the program began, perform and make appearances at as many as 40 Bay Area events each year. The summer program is funded, in part, by Oakland Fund for Children and Youth, California Arts Council, Port of Oakland, and the West Davis and Bergard Foundation.&nbsp;

Local Event: Prescott Circus Theatre presents its FREE Summer Performance Series! 

Prescott Circus Theatre presents its FREE...

Oakland’s longest running Youth Circus returns with its FREE summer shows!
Join the young stars of Prescott Circus as they...

Prescott Circus Theatre presents its FREE Summer Performance Series! 

Retzlaff Vineyards

Voted the Best Night out in the Valley!&nbsp; Join us for a hilarious evening under the stars at Retzlaff Vineyards, Livermore.&nbsp;
Stephen B:&nbsp; Comedy Central, Clubs Nationwide, and&nbsp;Dry Bar special '50 Is The New 30'.
Mean Dave:&nbsp; Clubs &amp; festivals all over CA including the Punch Line, Cobbs, Rooster T's.
Candy Shaw:&nbsp;Last Comic Standing, SF&nbsp;Sketchfest, Clubs &amp; festivals.Michael Booth:&nbsp; &nbsp;Santa Cruz Comedy Festival, The Catalyst Club and more.
Don’t miss this perfect evening in the vineyard: Wine, food vendors and side-splitting laughs. Preshow live music starts at 5:30 pm to serenade your evening picnic. General Admission seating and table seating available. Wine and food sales separate. Ages 18+.
Details, tickets and other show dates are at <a href="https://comedyuncorked.com" target="_blank" rel="nofollow noopener">comedyuncorked.com</a>

Local Event: Comedy Uncorked @ Retzlaff Vineyards: Starring Stephen B, Mean Dave and more

Comedy Uncorked @ Retzlaff Vineyards: Starring...

Voted the Best Night out in the Valley!  Join us for a hilarious evening under the stars at Retzlaff Vineyards,...

Comedy Uncorked @ Retzlaff Vineyards: Starring Stephen B, Mean Dave and more

🌱 Patch AM: How a Castro Valley teen became...

Coming up: Prescott Circus Theatre presents its FREE Summer Performance Series!  on the Castro Valley Patch calendar

🌱 Patch AM: How a Castro Valley teen became America’s fastest middle school sprinter

Community Corner

Across California

Eatery's $300 Unruly Kid Fine | Free Coffee...

Catch up with the latest CA consumer and business news, plus under-the-radar stories and the week's best sales and freebies.

Eatery's $300 Unruly Kid Fine | Free Coffee Mondays | CA Poised To Hang Up On Landlines: CA Business News

Business

🌱 Patch AM: How a Castro Valley middle school...

Happening soon: Prescott Circus Theatre presents its FREE Summer Performance Series!  on the Castro Valley Patch calendar

🌱 Patch AM: How a Castro Valley middle school sprinter raced toward the Junior Olympics

🌱 Patch AM: This East Bay Teen Is Sprinting...

Be sure to catch Senior Variety Show! on the Castro Valley Patch calendar

🌱 Patch AM: This East Bay Teen Is Sprinting Straight to the Top: Report

These Are CA's Surprisingly Highest-Paid Mayors...

See which California county ranked highest for payrolls statewide, and where city managers and supervisors thrived by county in this report.

These Are CA's Surprisingly Highest-Paid Mayors, Supervisors And City Officials

Politics & Government

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.

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msurkohl, Neighbor

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