Welcome to Wealth Management Retirement Planning

Fiduciary or Suitability standardWe specialize in working with people, like you, regarding Wealth Management Retirement Planning.  Onesta Wealth Management is a registered investment adviser located in California.  We can service clients across the United States.

Onesta provides financial planning services to the greater San Francisco Bay Area.  We are located in Campbell, California, which is the heart of Silicon Valley.  Campbell if fully encircled by San Jose, California.

We are a fee only Registered Investment Advisor.  We look forward to connecting with you soon.  We are committed to exposing the “snake oil salespeople”; do you know what we mean?

As a fee only firm we are able to provide comprehensive financial plans, asset management and of course customer service you would love.

These three Brief Videos share our view of working with clients, please enjoy!

Five Key Elements: (these videos go a bit deeper about our comprehensive planning)

Helping Individuals and Families Thrive with Grace & Ease

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

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

We have an exclusive five key element design.  Like spokes on a wheel, if one element is weak then there may be a pending failure. Wealth Management Retirement Planning can be complex.  However, if we could show you a way that makes this process simple and easy – would you be interested?

We have seen people who have been surprised by the challenges they face in retirement. When the first spouse passes away (dies) the surviving spouse is often tossed into a whirlwind.  A whirlwind of paperwork and financial reality checks. We highly recommend a 2nd opinion before one of you dies.

  1. Income The fear of poverty is number 1, having your income handled would matter, yes?
  2. Taxes Tax planning - proactive is always best
  3. Health Area 3 is health and extended care planning
  4. Estate Area 4 is health and extended care planning
  5. Legacy Area 5 - providing for the surviving spouse and heirs

There are many places you can learn more about us.  Google certainly has much information from us including videos on YouTube. And we are growing our Google places listing Our others sites are fully populated with useful information, consider visiting them: iXray Social Security iXray Retirement iXray Tax Solutions Calrima Financial IRA Jedi iXray Annuities

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.

We will gladly send you any of our booklets.  We have booklets on Avoiding IRA Distribution Mistakes, Annuities, Life Insurance, and even have a booklet on Social Security planning. 04 Privacy Policy Notice 2012  – our official privacy notice 05 Form ADV Part 2A 2B  – our official ADV Part II Brochure.

AssetLock Advisor How It works

AssetLock advisor – Onesta Wealth Management.
There is of course standard disclosure – see the last few seconds of the video.assetlock advisor
We would of course consider working with you, if you’ll consider working with us.
Some people look for conspiracies.  Some people wonder if AssetLock is a scam.  Well, as an advisor who uses this for my clients – I believe in the AssetLock program.  It does what it says – help clients keep what they have earned.  The simplest form of this tool is to track highest account values and set a predetermined loss.  If the account loses that predetermined amount from the account high, a human being confirms the account should be sold.  If that is the case, the account is sold.

Contact Us

Fill out the interest form below or give us a call 408-459-8383.
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AssetLock Advisor Note:

AssetLock is not a stop loss program.  It is a software program that monitors accounts on a daily basis.  Then notifies the AssetLock advisor of different states.

Fee Only Financial Planning

We believe in getting to know our clients.  In our experience it is equally, if not even more, important that we get to know you and what is important to you than it is for us to get know your numbers.  After we get to know you we will start to evaluate your financial planning options. Did I mention that we do fee only financial planning?

Before read on, consider getting our free survivor checklist.  It should be part of your estate plan.

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).

Above all – the plan is yours and you can 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

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.

“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.

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