Paving the way toward long-term financial stability for the self-made.
We didn’t grow up with money. In fact, it was quite the opposite. We’re what old money would call: new money. Well, la di da, right?
Coming from little and working hard to achieve our status, personally and professionally, is something we believe fiercely connects us to our clients. That’s why we continue to work with other self-made, new-to-wealth earners because we’ve been in their shoes – literally.
This commonality allows us to come to the table with a mutual understanding that we are on the same team; that we’ll work to instill the same care and pride in a client’s financial journey as we have our own.
The only thing better than building your own wealth – having someone who’s been through it before backing you all the way.
A client once confided to us that, “You’ve experienced tens, perhaps hundreds, of retirements. I’m only doing it once.” That’s when we really understood how we could truly make an impact – through mentorship. With clarification, action options and specificity based on lifestyle, needs and long-term goals, clients fully understand what we recommend and why.
With our help, clients gain the knowledge and confidence to become the hero of their financial story.
To prepare others in their financial success, so they can continue to lead their own prosperity.
Barjes Angulo, RICP®, LUTCF®, CLTC, LACP
Katherine Angulo, CLTC
Director of Client Experience
Client Service Associate
Chief Happiness Officer
Our Designations & Licenses
RICP® Retirement Income Certified Professional
The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest form of academic accreditation.
What is a Retirement Income Certified Professional?
A RICP® certified individual is someone who has completed further training and education in the field of retirement planning. These individuals possess the knowledge required to effectively oversee the transition of asset accumulation to asset decumulation.
How can a Retirement Income Certified Professional help me?
The RCIP® training and education provides your advisor the advanced knowledge necessary to deliver tailored strategies that create sustainable, secure income for your retirement.
Can’t any advisor help me plan for my retirement?
Yes, financial advisors are going to possess the skill necessary to help you plan for retirement. But let’s compare the difference to health care. Any doctor can treat your symptoms, and you will most likely feel better, but specialists are going to be able to pinpoint exactly what you need to feel better. A RICP® certified advisor has taken time to obtain extra specialization in retirement planning. Planning your retirement with their expertise can help ensure you and your financial future are in the best hands possible.
LUTCF® Life Underwriter Training Council Designation
The LUTCF® designation is recognized as the industry-benchmark for insurance credentials and is endorsed by the top financial firms and insurance agencies. The Life Underwriter Training Council FellowSM, or LUTCF® program, is a three-course designation program for financial professionals. …The program focuses on fundamental prospecting, selling, and practice management skills, as well as working knowledge of the four practice specialties.
CLTC Certification in Long-Term Care
The Certification in Long-Term Care (CLTC) designation was created in 1999. The area of long-term care is primarily focused on the tools of providing care over a prolonged period of time. A professional with a CLTC designation has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client’s family – financially, physically and emotionally – years down the road. The best way to protect families from the potential devastation of long-term care is not to sell a product, but rather, offer advice that leads to a plan to mitigate those consequences.
LACP Life and Annuity Certified Professional
The NAIFA Certification Commission developed the Life and Annuity Certified Professional (LACP) certification for advisors who wish to demonstrate knowledge and experience beyond the requirements for industry licensure. A NAIFA LACP assesses client needs and implements solutions in accordance with the highest ethical standards, ensuring that client needs are met on an ongoing basis. Certification is a means for qualified individuals to indicate to customers, employers, co-workers, insurance companies, and other stakeholders that they have met the standards of an impartial, recognized organization. Certification provides assurance to stakeholders that persons certified have met objective standards of knowledge and experience.
Series 66 Securities Licenses • Life/Health Insurance License