In-Person & Remote Services
Financial Planning for Everyday Americans!
We provide clients with the financial direction they need to eliminate debt, buy a home, or plan for a comfortable retirement
Financial Planning Services for Everyday Americans
We Bring Experience and Solutions
After 23+ years of experience, we proudly serve the West Covina and Los Angeles/Orange County communities with personalized financial planning designed to help you make the most of your money.
Stressed out about your debt? We offer a solution that can be the key motivator for staying out of debt. We can show you how to convert those debts into future assets.
Concerned about your retirement? You may be concerned about potentially running out of money during retirement. Our plan helps you understand the cost of your retirement lifestyle, so we can plan for it.
Interested in buying your home but have no savings for a down payment? We can create a plan that tells you how much you would need. In some instances, you can even buy a home with nothing down.
We never know what the future holds, but we can prepare for those moments by putting a plan in place to protect our lives and our spouses' lives. Life insurance can help you provide for your loved ones after your passing. Let's plan for the unexpected.
Education is the best asset you can invest in. We can implement strategies to successfully fund your education.
Where would you like your assets to go when you die: to your heirs, the government, or lawyers? Protect your money from death taxes, legal court expenses, and more.
Owning a business is what we as Americans would love to have: to build something that makes you money and lets you enjoy your life. You must have a plan.
Do you have what it takes to be a millionaire? It requires a plan and many long hours of work. Once you have it, you must keep it. Let's create a plan for you to succeed.
We proudly serve West Covina and LA/Orange County communities with personalized financial planning designed to help you make the most of your money. Whether you want to reduce debt, prepare for retirement, buy a home, protect your family, fund education, organize your estate, start a business, or build long-term wealth, we help you evaluate your options and create a practical financial strategy aligned with your goals.
Here is our consultation process. We assess your situation by gathering the following:
Goals
- Save more, home sale/purchase, debt elimination, college planning, protection, retirement, tax savings
Lifestyle
- Age, sex, marital status, children, parents, siblings, health
Skills
- Formal, self-taught job/business experience
Time Horizon
- Years of experience, years to achieve goal, & lifespan
Factors on Inflation
- Food, shelter, transportation, communication
Interest Rate Sensitivity
- Mortgage, credit cards, student loans, Auto, personal loans
Tax Expenditures
- Income, sales, investments, gains, gift, death
financial planning is not just for the wealthy...
Our Advice is Based On These Principles
Every person has three limited resources: time, energy, and money. The difference between those who move forward financially and those who remain stuck often comes down to how these resources are used.
Some people invest their time and energy in education, training, and experience that prepare them for careers as doctors, engineers, business executives, or entrepreneurs. These careers may produce high incomes, but the income is not created by chance—it is often the result of years of intentionally allocating limited resources toward a specific goal.
Fortunately, you do not need to earn a six-figure income to achieve financial success. A high income can create more opportunities, but it does not guarantee financial security. Regardless of how much you earn, building wealth requires you to make purposeful decisions about where your time, energy, and money go.
When you learn to allocate these resources effectively, you can reduce financial waste, avoid unnecessary debt, prepare for emergencies, and steadily build assets. Financial success is not reserved for the wealthy; it is available to anyone willing to follow a clear and disciplined strategy.
Making money is only one part of the financial equation. Earning an income requires your time and energy, so every dollar you receive represents a portion of your life and effort. That is why it is important to use your money intentionally.
A customized, easy-to-follow financial plan can help you keep more of what you earn, eliminate debt more efficiently, increase your savings, and direct your money toward the goals that matter most to you. Without a plan, even a large income can disappear. With the right plan, however, an ordinary income can become the foundation for long-term financial stability and wealth.
For example, consider a family earning $65,000 per year. They may believe that they do not make enough money to build wealth. However, by creating a spending plan, paying off high-interest debt, building an emergency fund, and consistently saving a portion of each paycheck, they can gradually improve their financial position. Even modest monthly contributions can become meaningful assets over time. Their success does not depend on suddenly earning much more; it begins with making better use of the money they already have.
Now consider an executive earning $200,000 per year who spends nearly everything on an expensive home, luxury vehicles, vacations, and credit-card payments. Although this person earns significantly more, a lack of planning may leave little savings and substantial debt. If the income stops, the lifestyle may quickly become unaffordable. This example demonstrates that earning more money does not automatically produce wealth. Income creates potential, but wise allocation turns that potential into lasting financial security.
Ultimately, financial success is not determined only by how much money you make. It is determined by how intentionally you manage what you have. When your time, energy, and money are guided by a personalized financial plan, every dollar has a purpose and every decision moves you closer to your goals. It is not simply what you make—it is what you keep, protect, and build that counts.
Do you have a goal you want to achieve? Let's talk. I will show you that you can achieve that goal!
what is your Financial Goal?
23+ Years of experience...
Retired Thousands of State, School, & Public Agency Employees.
With nearly a decade of expertise in lifetime income option pensions, we assist you in retirement planning in West Covina, helping you answer essential questions.
Delivered Hundreds of High Profile Retirement Classes
Our mission is to educate executives, clients, and the public on important money and retirement matters, including crucial questions like 'Can I afford to retire?' and providing insights on a solid debt elimination plan.
Practiced What I Preach
I retired from my regular job at age 55 to focus solely on my private practice. Through spiritual and financial discipline, I can live comfortably today. That's what I want to teach you!
My Experience at CalPERS
After nearly a decade at CalPERS, I acquired valuable expertise that can assist you with your retirement planning in West Covina. I guided individuals through the retirement process, ensuring they felt confident in deciding when they could retire and how much money they need to retire comfortably.
I addressed crucial questions such as:
1. Can I afford to retire now?
2. Will my pension income be sufficient for the rest of my life?
3. Which lifetime pension plan should I consider to ensure financial stability?
4. Will my spouse continue to receive my pension after I pass away?
5. How might my pension affect my Social Security retirement income?
6. Do I qualify for health care insurance upon retirement, and does it align with my debt elimination plan?
7. Must I enroll in Medicare, and how does that impact my overall planning?
8. Will my spouse be covered for insurance, regardless of my financial decisions?
9. Would my pension interfere with the benefits I currently receive?
10. Will my spouse receive income for life when I pass, ensuring peace of mind? Additionally, understanding how to get out of credit card debt may also form part of your overall planning strategy.
My office is currently located in West Covina, California, where I am committed to making financial education accessible to individuals and families in the community. Each month, I host educational seminars designed to reach more people, simplify important planning concepts, and provide practical strategies they can use in their everyday lives. My mission is to continue teaching and empowering others to experience the confidence and freedom that can come from taking control of their money, making informed decisions, and creating a clear plan for their future. You do not need to have substantial assets. You do not need another loan. There are no income requirements.
Let's Work on Your Goals...
God desires a genuine relationship with you, guiding you to a world full of abundance. As you contemplate your future, you might question, 'Can I afford to retire?' or 'How much money do I need to retire?'
Create a Personal Financial Plan for Your Future
The Secret to Success
The secret to achieving financial success is not simply how much money you earn—it is how you allocate the money you already have. A six-figure salary, a successful business idea, specialized skills, or an advanced degree may increase your earning potential, but none of them guarantee financial security or long-term wealth. People can earn substantial incomes and still struggle financially when their money is consumed by excessive debt, unnecessary expenses, taxes, lifestyle inflation, and poor financial decisions.
True financial progress begins when every dollar is given a purpose. Your income must be intentionally allocated toward your living expenses, eliminating debt, building emergency reserves, protecting your family, purchasing assets, preparing for retirement, and accomplishing the goals that are most important to you.
It is not only what you earn that determines your financial future—it is what you do with what you earn.
Someone earning $75,000 a year who consistently saves, invests, controls debt, and manages cash flow can ultimately build greater financial security than someone earning $200,000 who spends nearly everything they make. Increasing your income can certainly help, but without a financial strategy, earning more often leads to spending more.
Financial success therefore begins with learning to control the flow of your money instead of allowing your money to control you. When you understand where your money is going and intentionally redirect it toward the things that build your financial future, you begin transforming income into financial independence.
Your greatest financial asset is not necessarily your job, business, skills, or degree—it is your ability to make wise decisions about every dollar that passes through your hands.
Come visit us at...
1050 Lakes Drive #225, West Covina, CA 91790
Art De La Rosa, Financial Planner
USC Graduate / Author / CEO
Call us at (626)820-9013.
Gain Even More Confidence...
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