About Our Firm

 

 

                                  About Retirement Wealth & Tax Advisors

Retirement Wealth and Tax Advisors (RWTA) is an independent firm of objective, seasoned, and conservative financial advisors. We are independent and therefore not subject to outside control or influence - we choose what is best for our client's situation. Investment advisory services are provided though Multi-Financial Securities Corporation, a registered investment advisory entity.

We pride ourselves in giving you highly personal advice, based on objective analysis. We have been advising clients in Contra Costa County for over two decades, and have earned the respect of prominent local attorneys, CPAs, bankers, and other financial professionals.

Our mission is to help you make smart decisions about your money to help allow you to live your dream through your financial success. We will work hard to assist you in reaching ALL your financial goals by offering sound solutions to the financial challenges faced by professionals, executives and business owners in a climate of ever-increasing tax and investment complexity.

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What can we do for you?

RWTA is a comprehensive wealth management firm, organized to deliver elite service to you. We help you to make smart money decisions and simplify your life so you can focus on realizing your dreams. We will provide clear and unbiased advice about your finances, and employ the same sophisticated solutions used by institutions and high net-worth investors -- your money will be managed by very talented money managers. And, we will always give you the most personal, prompt and accurate service available anywhere.

• You get a custom, specific plan of action designed to achieve your financial goals. -- we strive to provide low risks, low costs and maximum returns.
• Your plan will integrate tax, estate, investment and all relevant considerations into a unified strategy that makes sense to you.
• The strategies may help you increase your wealth, reduce your taxes, maximize after-tax investment return, while lowering investment risk, and preserve your estate from the ravages of taxes.
• Simplify your financial life by coordinating with your other professional advisors.
• At all times clarify complex financial issues through thoughtful analysis - combined with advanced computer modeling - in a clear English explanation so that you understand your alternatives, and their pluses and minuses.
• Our managers report investment results monthly, quarterly and annually in an easy to read format with comparison to relevant benchmarks.

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Our Unique Approach:

Our #1 concern is the development of trusted long-term relationships, and our #1 method is to give highly personal service. We take the time to know and understand you and your objectives before providing advice, and base our advice on YOUR needs. We see ourselves as the family financial doctor, and frequently work with multiple generations.

We are conservative with money, and employ a highly diversified approach. We use the same solutions as used by institutions and high net-worth investors, on a no-commission, fee only basis. Our investment process is scientific, disciplined, and research driven, not "seat-of-the-pants", or betting on the "beauty contest" of what looks good recently. Our goal is to increase the odds of your success while limiting the volatility of your portfolio.

We have special expertise in "non market correlated" assets.  There are investments which do not necessarily go down when the market goes down.  We have "strategic partnerships" with many of the largest financial institutions in the US to help us provide solutions for you.

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Our areas of specialization include:

• Retirement Planning to help you figure out how to enjoy a stress- free life after work.
• Tax Strategies (income, capital gains, and estate) with aim to help you pay as little as legally permitted.
• Investment & Wealth Management with the aim of lowering your risks at this important time of life, while increasing your returns on an after-tax basis.
• Long Term Care Planning with the objectives of retaining your independence and not losing your estate to unexpected health care costs.

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How does the process work?

• First we identify your financial objectives, and determine the strengths and weaknesses of your present situation. We seek to go beyond financial to understand your most important values.
• Then we develop a set of alternatives to meet your needs given your circumstances,  preferences and priorities. RWTA finds suitable, well diversified financial strategies and products to solve your concerns and issues. All financial products are strictly non- proprietary.
• For the investment portion of your plan we provide clear, comprehensive reporting with performance comparisons quarterly.
• Together we monitor the results and update your overall plan as circumstances change.

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