Welcome to Wealth Management Retirement Planning

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making an outline for a research paper Five Key Elements: (these videos go a bit deeper about our comprehensive planning)

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Overview of our Five Key Elements
Click to view an overview of our Five Key Elements or see each one below

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  1. Income [su_lightbox src=”https://www.youtube.com/watch?v=GaIwLfkHUPc?autoplay=1&rel=0&showinfo=0″] The fear of poverty is number 1, having your income handled would matter, yes? [/su_lightbox]
  2. Taxes [su_lightbox src=”https://www.youtube.com/watch?v=aTXySyuYisk?autoplay=1&rel=0&showinfo=0″] Tax planning - proactive is always best [/su_lightbox]
  3. Health [su_lightbox src=”https://www.youtube.com/watch?v=37xfF0iKA14?autoplay=1&rel=0&showinfo=0″] Area 3 is health and extended care planning [/su_lightbox]
  4. Estate [su_lightbox src=”https://www.youtube.com/watch?v=Hd84FF1a0RU?autoplay=1&rel=0&showinfo=0″] Area 4 is health and extended care planning [/su_lightbox]
  5. Legacy [su_lightbox src=”https://www.youtube.com/watch?v=J4rUT5vwEyk?autoplay=1&rel=0&showinfo=0″] Area 5 - providing for the surviving spouse and heirs[/su_lightbox]

research paper participants section

As we add more content to this site we would like to keep you informed.  If you would like to be kept updated on all that we are up to you can add yourself to our newsletter. It is as simple as filling in the form to the right.

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Fee Only Financial Planning

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Once we know each other then we begin to investigate what steps to take next.  Usually a second opinion report about where you are is appropriate.  A second opinion will yield one of three outcomes:

  1. Everything you have is perfect and nothing needs to be changed.
  2. There are some minor changes to make and give you some guidance on what to change.
  3. There are gaps in your plan that need to be addressed and we believe we can support you with the changes.  If this is the case we will begin to explore working together.

Sample of some of our Fee Only Financial Planning

Current Portfolio Riskmutual fundFee Only Financial Planningproposed risk

If we choose to work together, keep in mind we are not always a fit for each other.  At this point we will look at how to move forward, be it an income plan or perhaps there are other items to analyze, such as Social Security planning.

Fee Only Financial Planning

What does all of this cost?  The pricing adjusts with your needs.  We have very basic support from as low at $3,500 to complex holistic plans that includes estate plans on the very high end of $15,000.  Estate plans or trusts are legal documents and that work is done through an attorney.  Financial plans and insurance reviews are done through our team.

You are free to purchase our planning services either as a flat quoted fee or as time and materials.  Quoted fees often run over $5,000.  These include comprehensive income planning.

These plans take into account Social Security, Pensions, Retirement accounts, annuities (if you have them) and expenses.  Under expenses you’ll also set lifestyle goals such as vacations and major expenses such as roofs and re-piping your home (you name it).

research paper about customs administration Above all – the plan is yours and you can how to properly cite a quote in a research paper implement where you like, by yourself or with your current advisor.

Retirement income plan 1 Retirement income plan 2 Retirement income plan 3

Having peace of mind about your future – priceless!

One of the biggest places people are not aware of their financial planning options is with respect to Social Security.  Visit our site on Social Security Planning

How may we support you?

Maybe there is something we can do for you?  I’d be very interested in helping you gain the knowledge and retirement plan you seek.

This is a confidential form.  We don’t share nor sell your information – ever.  There is no credit card needed at this time.

Family Estate Organizer

Family Estate OrganizerFor a limited time, our income tax preparation clients and the people they introduce to us, will receive a gift from us.  We will construct a personalized Family Estate Organizer.  The Family Estate Organizer is a key ingredient to completing your estate planning.  The Family Estate Organizer is customized to you and your family.  Each Family is unique.Family Estate Table of Contents

The Family Estate Organizer is a centralized place to keep all of your important documents.  People who have these binders are impressed and feeling taken care of.

This binder can be equally important as a Living Revocable Trust.  Both of these tools are critical to your family and heirs.

Please call now to schedule a time to meet and create your Family Estate Organizer 408-459-8383 or toll-free at 866-589-9366.

When you think about where your key documents are located, are they centralized?  Are they easy to find?  Does your family know where they are?  These questions will help you better understand the benefit to you and your family.

Building a Family Estate organizer requires time on both your part and our office’s part.  Therefore, we will send you a comprehensive list of items to locate for the initial meeting.  Our request is you locate what you can and we’ll start with that.  You’ll likely for the first time have your critical family documents organized and centralized.

Richard Loek

top ten research paper ideas Executive Biography – Richard Loek

Richard LoekMr. Loek is an Investment Advisor Representative, a licensed Life and Health Insurance Agent and a member Ed Slott’s Master Elite IRA Advisor group.  Mr. Loek and his team at Onesta Wealth Management (Onesta) and Calrima Financial & Insurance Agency (Calrima) have been working with people in a variety of capacities for over 20 years.  Calrima has a comprehensive team of associates and affiliates that pride themselves in providing outstanding customer service and achieving customer loyalty.

research paper on pay structure “The Original Recovering Software Engineer” is a phrase and title Mr. Loek coined a few years ago.  Transitioning from solving complex software design issues to solving complex financial planning issues was a complex yet very comfortable transition.  Helping people through software is still at the core of what Mr. Loek achieves.

Proud member of Ed Slott's Master Elite IRA Advisor GroupEd Slott’s Elite IRA Advisor Group™ is an exclusive group of advisors who are dedicated to b eing leaders i n the IRA industry. Because being the best in business requires an enormous amount of ongoing education, time and effort. The Elite IRA Advisor Group™ is a single resource for serious professionals.  The Elite IRA Advisors are equipped with up-to-date tools and resources to help their clients.

Mr. Loek is a San Francisco Bay Area Native.  Mr. Loek volunteers his time to coach people in accomplishing what is important to them.  Mr. Loek holds a variety of positions in the community.  Mr. Loek served as the Charter President of the San Jose Willow Glen Lions club. Mr. Loek has served on The Mental Health Advisory Board of Santa Clara County. In Mr. Loek’s leisure time he has participated in half-marathons & triathlons. Mr. Loek has also been a program leader at the company that is widely recognized as the industry leader in training and personal development.

doing a research paper CHARITABLE PARTICIPATION

Boy Scouts of America as an Assistant Scout Master • Parents Helping Parents as a parent, Board member and President • San Jose Willow Glen Lions Club, Charter President • Toastmasters, Vice-President of Education and President • Society for Financial Awareness (SOFA), Founder of the Silicon Valley Chapter Santa Clara County Mental Health Advisor Board, Board Member • Make-a-wish foundation, wish grantor and speaker’s bureau member • Cinequest Film Festival, Speaker & Moderator • San Jose Jazz Festival, volunteer VIP pavilion