Our Objective
At Valenzuela Financial Management Group we focus on those who are age 50+ and the financial concerns of those individuals and families. Retirement is very important as is being able to retire with dignity. Who are these individuals? These are people who have children in college, grown children, grandchildren, looking at retiring soon or already retired. Learning how to adjust financially for this stage of their lives is key. They have worked hard and now it is time to focus on retirement. Making educated decisions after an analytical review of the client’s individuals situation eliminates emotional-based decisions.
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Joe Valenzuela | President
Valenzuela has been in the financial services industry since 1993. His educational background consists of a Bachelor’s Degree in Electrical Engineering from Florida Atlantic University, and a Master’s Degree in Business Administration from Nova Southeastern University. He holds a Life & Health and Annuity License in order to service the various insurance needs of his clients including: life, long term care, disability and indexed annuities. Joe is an Investment Advisor (Series 65) with CPR Investments Inc, an SEC registered investment advisory firm.
Joe is a federal benefits consultant working with federal employees helping them address their financial and retirement planning. Federal employee benefits can be confusing. These benefits must be reviewed carefully, outside options considered, costs/limits of these benefits, and understand that in making these decisions, many are irrevocable. Consultations and reports are prepared for clients, complimentary. Additionally, Joe also works with retiring State of Florida employees. In Florida, there exist two retirement options. Each has its own list of options. Choosing can be difficult. Knowing how each choice works is key. Again care, judgement, and careful review must be done. Consultations and reviews are prepared for clients, complimentary. Joe, also carries a Mortgage Loan Originator License. This allows Joe to help service clients when they are looking for a loan or a possible refinance. Today, though, there exists a more significant benefit in servicing clients who are age 62+, reverse mortgages. FHA insured, reverse mortgages today offer clients the ability to use the equity in their home in retirement to compliment existing assets in retirement. Tax free income, flexible options, non-recourse product, offers additional benefits to the retiree. Ownership of home is not forfeited, along with beneficiary benefits for the children. Today's reverse mortgage is not what may have been in the past! Employer planning is a very important task, and your business may be your greatest asset. Make sure it’s working as hard for you as you do for it! Strategies to manage and grow your business are areas we address. Retirement plans, executive bonus, key man coverages, estate planning and exiting strategies, are important topics to consider when owning your business. See our Business Owners/Companies tab. His focus on educating baby boomers and retirees does not stop there as he hosts retirement planning events for those who wish to become more vigilant and informed about their retirement. His efforts to work with companies and businesses regarding their retirement plans and financial services are also part of his focus. Joe is an appointed trustee on the pension board for the Davie Fire Department since 2009. He has been married since 1988 to his devoted wife Laurie and has three wonderful children: Julia, Anthony and Dominic. |
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Julia Valenzuela | Investment Advisor Representative
Julia Valenzuela is an Investment Advisor Representative with CPR Investments Inc., an SEC-registered investment adviser (Series 65). She formerly worked with Bank of America for 2 years and brings experience from the Global Corporate and Investment Bank. She held a position as a Business Analyst within the Investment Bank, and an Analyst on the Corporate Banking COO Team. During both her undergraduate and graduate career, she worked at Florida International University's Foundation office, as well as with the Memorial Healthcare System's Foundation office
Ms. Valenzuela’s educational background includes an undergraduate degree in Business Administration from Florida International University, summa cum laude; and a master’s degree in business administration from Nova Southeastern University with a focus in finance, magna cum laude. Currently, she is working on obtaining her life, health and annuities license, as well as, federal benefits consultant certification. Julia’s business commitment is to bring financial solutions to the retiring or already retired individuals or families we serve. Additionally, she also focuses on business owners and professionals who are looking to secure financial independence in retirement. Julia’s personal interests include: the arts, tennis, food & culinary, i.e., “a foodie”, along with her passionate interest in travel |
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Financial Planning: So many individuals cannot find the time nor have the knowledge to plan financially. Each family is unique. We develop solutions that are tailored to help our clients achieve specific financial goals. The more we know about our clients the easier it is to service their needs.
Retirement Planning: Today with the enormous baby boomer population approaching retirement, choices, planning and solutions must be carefully and individualized to help them retire more effectively. In our approach, we focus on risk, cost/fees and performance. Our clients must have a solution that addresses a combination of safety*, income, inflation, taxes, along with their personal goals. “What if” takes on an entirely different approach in retirement, as do the solutions that we provide our clients. This is done by implementing both a safe money approach using indexed annuities* for some or part of their assets along with tactically risk managed solutions using advisory management firms. This provides the client the safety* and income found in indexed annuities* along with the opportunity for flexible earnings and liquidity found in the risk managed solutions.
Employer Planning: Your business may be your greatest asset. Make sure it’s working as hard for you as you do for it! Strategies to protect* and grow your business are areas we address. Retirement plans, executive bonus, key man coverages, estate planning and existing strategies, are important topics to consider when owning your business. See our Business Owners/Companies tab.
Retirement Planning: Today with the enormous baby boomer population approaching retirement, choices, planning and solutions must be carefully and individualized to help them retire more effectively. In our approach, we focus on risk, cost/fees and performance. Our clients must have a solution that addresses a combination of safety*, income, inflation, taxes, along with their personal goals. “What if” takes on an entirely different approach in retirement, as do the solutions that we provide our clients. This is done by implementing both a safe money approach using indexed annuities* for some or part of their assets along with tactically risk managed solutions using advisory management firms. This provides the client the safety* and income found in indexed annuities* along with the opportunity for flexible earnings and liquidity found in the risk managed solutions.
Employer Planning: Your business may be your greatest asset. Make sure it’s working as hard for you as you do for it! Strategies to protect* and grow your business are areas we address. Retirement plans, executive bonus, key man coverages, estate planning and existing strategies, are important topics to consider when owning your business. See our Business Owners/Companies tab.
