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Take a moment to learn about our approach to
solving the top two concerns of retirees today. |
Watch a quick video to learn about our
"Rock Solid Retirement Income Strategy". |
Our Story
Valenzuela Financial Management Group, was founded in 1993. Starting with an educational approach to financial services, we have developed into a firm that focuses on bringing financial solutions to baby boomers, those approaching retirement and retirees.
Since 2000, we all have seen financial changes in the market impact the retirement goals of people age 55+. As a result, people today need to plan differently. Cost of living, taxes, medical costs, housing and living expenses continue to rise. How one prepares and manages financially today is more important than ever.
At Valenzuela Financial Management Group, our strategy is two-fold, first educate/inform the families we serve. Our due diligence exercise identifies their current financial position, today. Clients learn the insights of the financial path they have followed and how they have fared over time. This is the “check-in” point.
Once that is accomplished, an open discussion and brainstorm session with the client is conducted to mutually agree on how to focus appropriately as they approach retirement.
It is a fact today, when speaking to people about retirement, the biggest fear they have above all else, is outliving their money. Our focus is to teach our clients to be prudent, and address risk in retirement. Understanding these risks along with how costs/fees, internal expenses and performance may impact their assets are addressed.
A retiree, new or existing, must understand that protecting principal*, income*, safety*, risk mitigation/management/avoidance replaces "in for the long haul" thinking. Focus on a prudent financial review and then plan accordingly.
There are strategic financial concepts to consider. Go through the various tabs to look at what baby boomers today seek when it comes to finances and their future. Welcome to Valenzuela Financial Management Group!
Since 2000, we all have seen financial changes in the market impact the retirement goals of people age 55+. As a result, people today need to plan differently. Cost of living, taxes, medical costs, housing and living expenses continue to rise. How one prepares and manages financially today is more important than ever.
At Valenzuela Financial Management Group, our strategy is two-fold, first educate/inform the families we serve. Our due diligence exercise identifies their current financial position, today. Clients learn the insights of the financial path they have followed and how they have fared over time. This is the “check-in” point.
Once that is accomplished, an open discussion and brainstorm session with the client is conducted to mutually agree on how to focus appropriately as they approach retirement.
It is a fact today, when speaking to people about retirement, the biggest fear they have above all else, is outliving their money. Our focus is to teach our clients to be prudent, and address risk in retirement. Understanding these risks along with how costs/fees, internal expenses and performance may impact their assets are addressed.
A retiree, new or existing, must understand that protecting principal*, income*, safety*, risk mitigation/management/avoidance replaces "in for the long haul" thinking. Focus on a prudent financial review and then plan accordingly.
There are strategic financial concepts to consider. Go through the various tabs to look at what baby boomers today seek when it comes to finances and their future. Welcome to Valenzuela Financial Management Group!
* Annuities are products of the insurance industry and are not guaranteed by any bank nor insured by the FDIC or NCUA/NCUSIF. May lose value. No bank/credit union guarantee. Not a deposit. Not insured by any federal government agency. May only be offered by a licensed insurance agent. Fixed Index annuities do not directly participate in the stock market or any index. It is not possible to invest in an index. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty. Annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Guarantees and protections are subject to the claims-paying ability of the insurance company. A fixed indexed annuity is a contract you buy from an insurance company that provides the opportunity to earn interest based on the changes in an index such as the S&P 500® Composite Price Index. Regardless of index performance, indexed annuity contract values will not be impacted by negative index returns.
