About Our Firm
Advanced Planning and Customized Retirement Solutions for Physicians & Entrepreneurs
We believe in a simple, transparent and straightforward approach. Our Approach helps clients Free Up Time, Maximize Tax Savings and Maintain a Healthy Financial Balance in life.
To provide comprehensive planning solutions that integrate personal, business, and family ambitions using our competence of helping Physicians and Entrepreneurs who are open, coach-able, and intentional about developing their balance sheet. We do this in part by partnering with your CPA and Attorney for continuity and uniformness. Through education and the latest tax updates. our goal is to help design and execute strategies that focus on accumulating, distributing, and preserving the wealth you create throughout your life. Ultimately, we want to help you free up the time necessary to live and enjoy life the way you imagine it should be.
We work with our clients to develop comprehensive tax and financial solutions that focus on their personal and professional goals and objectives.
Our process helps you develop a strategic plan. "It's not what you make on your money; it is what you ultimately get to keep." Whether you are selling your practice, saving for retirement, funding a child's education, or participating in more advanced financial strategies (such as charitable tax-planning), we help you get the confidence and financial security you are seeking.
Planning for You
Personalized and Family Planning
Planning for Your Practice
Succession and Successful Practice Planning
Planning for Business
Succession and Successful Business Planning
How We Work
Long-term planning objectives, innovative solutions, and service have helped us yield lasting relationships.
Our mission is simple: to keep your money where it belongs by using updated strategies that adapt with you and the ever-changing environment in which we live.
Organize: Phase II
Many of our clients have worked with financial professionals or have implemented financial products in the past. We find that over time, however, people often outgrow or forget their old plans. With insight and education, we take your existing plans and organize them into one easy-to-use system while also performing a financial audit to evaluate inefficiencies or over/underexposure to risk, liability, taxes, and financial conditions.
Follow Up: Phase IV
Every plan needs constant fine-tuning in order to stay relevant with all of life's many changes. We take care of this by reviewing and updating your plan for the life of our relationship.
Understanding: Phase I
Understanding whom you work with is critical, so we take time to get to know you, your goals, and your long-term outlook. Times are always changing, and we want you to understand our background, experience, and expertise so you can feel comfortable working with us. We want to eliminate your concerns and make sure that what we offer aligns with what you want. On top of this, we incorporate an information-gathering process to help guide us towards organization.
Implementation: Phase III
Once you are satisfied with our findings, we help you develop a plan that will maximize your financial wellness.
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Meet the Team
Financial Wellness Advisor
Jonathan Barrera is known for his experience in tax reduction strategies for practice owners, individuals, and business owners. He has helped many people identify ways to keep their hard-earned money where it belongs while helping to improve and implement financial wellness into his client's lives and families. This process helps his clients to not work just to save and to just pass it down to the next generation but to work to free up time to live and enjoy the life they want to live today but still preserve wealth for the future generations to come. Jonathan's passion for helping his clients falls under the guidelines of Judge Learned Hand, who said: "Over and over again, courts have said that there is nothing sinister in arranging one's affairs as to keep taxes as low as possible. Everybody does so, rich and poor; and all do right, for nobody owes any public duty to pay more than the law demands: taxes are enforced exactions, not voluntary contributions.
"Financial Advisor of Park Avenue Securities and Financial Representative of Guardian. CA insurance license #0H73984.
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Raquel Naranjo, JD
Financial Wellness Representative
Raquel assists with all aspects of advanced planning and risk management. She works closely with Jonathan Barrera in helping their clients understand tax and financial strategies and maximizing their planning potential. They specialize in working with physicians, CPA’s, attorneys, and business executives. The team seeks to form strong team relationships and to be diligent in making sure each client’s financial plan is organized, efficient, and oriented to world-class saving.
Raquel currently serves on the boards of Standing Together to End Sexual Assault; Latina Professional Alliance and is a member of the Santa Barbara Women Lawyers Foundation.
Financial Representative of Guardian. CA insurance license # 0I85913. Not practicing Law for Guardian or its subsidiaries or affiliates.
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Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.