Business Details
Your Trusted Partner for Comprehensive Financial Planning
Onesta Wealth Management operates as a fiduciary financial advisory firm committed to placing client needs above all else. With a focus on retirement planning, investment advisory services, and tax-efficient strategies, we specialize in helping families navigate complex financial decisions. Our team holds advanced certifications including membership in Ed Slott's Elite IRA Advisor Group, ensuring expertise in evolving retirement regulations.We offer complimentary consultations to provide personalized guidance without pressure, serving clients across California and other states through virtual consultations. Our approach combines technical precision with client-centered service, emphasizing transparency and long-term financial security.
Services
Retirement Planning
Investment Advisory
IRA Optimization
Tax Strategy
Insurance Solutions
Highlights and features
- We operate under a strict fiduciary standard at all times
- Our team maintains advanced IRA planning certifications
- Complimentary consultations with no-pressure financial guidance
- 20+ years combined experience in financial services and insurance
- Specialized expertise in tax-efficient retirement strategies
Associations and certifications
- Registered Investment Adviser (SEC)
- Ed Slott's Elite IRA Advisor Group
Services
Retirement Planning
We develop comprehensive retirement plans focusing on income optimization, tax efficiency, and asset preservation. Our approach combines investment management with personalized strategy sessions to address unique financial situations. Clients receive ongoing guidance to adapt plans as market conditions and personal circumstances evolve.
Investment Advisory
Our advisory services include customized portfolio construction and ongoing management aligned with individual risk tolerance and financial goals. We emphasize diversified strategies while maintaining strict adherence to fiduciary standards. Regular performance reviews ensure investments remain aligned with evolving market dynamics and client objectives.
IRA Optimization
Specialized IRA planning services focus on maximizing tax advantages and navigating complex distribution rules. We help clients implement Roth conversions, required minimum distribution strategies, and beneficiary planning techniques. Ongoing education through Ed Slott's Elite Advisor Group ensures up-to-date expertise in IRA regulations.
Tax Strategy
We develop tax-efficient strategies to minimize lifetime tax liabilities through coordinated retirement and investment planning. Our approach considers current tax laws, projected income streams, and estate planning considerations. Clients receive guidance on tax-loss harvesting, income bracket management, and regulatory compliance.
Insurance Solutions
We offer fixed insurance products for income protection and legacy planning purposes. Our solutions focus on annuities and life insurance as tools for guaranteed income streams and estate preservation. All recommendations undergo rigorous suitability analysis to ensure alignment with client financial objectives.
People
Richard Loek
Investment Advisor Representative
Richard Loek is a licensed financial advisor with over 20 years of experience in financial services and insurance. He holds FINRA Series 65 registration and California life/health insurance licenses. As a member of Ed Slott's Elite IRA Advisor Group, he maintains specialized retirement planning expertise through ongoing education and certification exams.
Questions
What services does Onesta Wealth Management offer?
We provide retirement planning, investment advisory services, IRA optimization, tax strategy guidance, and insurance solutions tailored to individual financial goals.
Are you legally required to act in my best interest?
Yes, as a Registered Investment Adviser fiduciary, we are legally obligated to prioritize client interests above all other considerations in all our recommendations.
Do you serve clients outside California?
We serve California residents and clients in other states where our services are permitted through virtual consultations and remote advisory capabilities.
How can I schedule a consultation?
You can schedule a complimentary consultation online or by calling 408-786-0508 to discuss your financial planning needs with no pressure or obligation.
What credentials does your team hold?
Our advisors hold FINRA Series 65 licenses, life and health insurance licenses, and maintain membership in Ed Slott's Elite IRA Advisor Group through ongoing education.
Reviews (2)
Richard Loek
Jan 28, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Sadly, the two reviews are bogus. They are from *fake* people who never met with me. Further more, the reviews were posted long after this location was closed
Sadly, the two reviews are bogus. They are from *fake* people who never met with me. Further more, the reviews were posted long after this location was closed
Robert L.
Oct 05, 2019
Report
Watch out. Richard was extremely unprofessional and very pushy almost aggressive. Take your money elsewhere. I cant believe Richard is still employed with Onesta. Shame on him and his company for letting him speak to people in this manner. Very sad.
