Are you nearing retirement?
Our Journey Through Retirement Toolkit Addresses:
“Ways to Disarm a Ticking Tax Time Bomb So You Can Work Toward a Tax-Free Retirement!”
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If you're wanting to have clarity so you can thrive in your retirement, we can help!
Our toolkit comes with two FREE books written by actuary, Marty Ruby: "No-Compromise Retirement Plan" and "The New Rules of Retirement Saving" – a guidebook to the risk you face as a saver today... and the new rules you can use to overcome them. You'll also learn ways you can reach your retirement goals by identifying, evaluating and reducing risk to help save your retirement from taxes.
Best of all, I’m going to send everything to you 100% FREE – just fill in the form below and click the “Send Them Now” button -– we’ll ship it out to you immediately!
ABOUT THE AUTHOR:
Roy Gagaza, CEP®, RFC®
Roy Gagaza entered the industry after retiring from serving as an officer in the military for more than 20 years. Now, he assists clients in working toward their retirement dreams by developing well-thought-out financial strategies.
Roy’s professional goal is to help others receive the financial resources they need and the sound guidance they deserve. He respects his clients’ wishes and genuinely cares about helping them pursue their goals, all while striving to build and maintain long-lasting relationships with them and their families.
Throughout his career, Roy has worked closely with the highway patrol, local school districts, CPAs, and several Chambers of Commerce, as well as numerous individuals. His seminars continue to reach hundreds of pre-retirees and retirees in need of financial guidance to help preserve their assets, create retirement income strategies, and use tax-efficient strategies to potentially reduce their taxes.
Roy graduated with a bachelor’s degree in business marketing from San Jose State University. He is a Financial Professional, CEP and RFC, and holds insurance licenses in Hawaii (458231), California (0L87925).
Roy is married to Patricia. They have two daughters, Kyrie and Mackenzie, and one son, Grant. In his free time, he enjoys spending time in the water, playing golf, traveling, and reading.
ABOUT THE ADVISOR:
Michael Bui
Mike has been providing financial education to pre-retirees and retirees for the last 11 years. He holds credentials as an Investment Advisor Representative and as a NBS Certified Educator, authorized by the Hawaii Department of Education to provide financial education to its employees throughout the state. He holds insurance licenses in Hawaii (472852) and California(0M70995).
After seeing his grandparents suffer and lose their home in retirement due to poor financial advice, he recognized very quickly that so much of traditional retirement planning was focused on growth and accumulation. This is great when you are working and trying to grow your savings so you can one day retire. However, retirement represents a fundamental shift in life! It is a time when you should be moving away from a growth and accumulation mindset to one focused on preservation and income. This is the mistake Mike’s grandparents made, and he is passionate with helping pre-retirees and retirees never repeat this mistake again.
Mike graduated from Champion Christian College with a degree in Theology. Mike is married to Amanda and they have 3 beautiful children: Madison, Jeremiah, and Jackson. In his free time, he enjoys serving at his church, playing with his family's golden retriever (Ollie), and spending time with his family.
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By submitting your contact information, you consent to be contacted regarding retirement income strategies that utilize investments and insurance products.
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Michael Bui offers investment advisory services through AE Wealth Management, LLC (AEWM). AEWM and Journey Wealth Management, LLC are not affiliated companies. Roy Gagaza and Michael Bui offer insurance products and services through Journey Wealth Management, LLC dba: Journey Wealth Management and Insurance Services, LLC, an affiliated company. CA Insurance License: 0L87925, HI insurance License: 458231.
None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Marty Ruby is not affiliated with Journey Wealth Management, LLC or AEWM.
Any references to protection benefits, safety, security, or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.
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