Valenzuela Financial Management Group

Our Story

Welcome to Valenzuela Financial Management Group, proudly serving our clients since 1993. Starting with an educational approach to financial services, we have developed into a firm that focuses on bringing financial solutions to baby boomers, those approaching retirement, and retirees.

Since 2000, we have seen financial changes in the market affect the retirement goals of people aged 55 and older. As a result, people today need to plan differently. Cost of living, taxes, medical costs, and other retirement-related expenses continue to rise. How you prepare and manage financially today is more important than ever.

At Valenzuela Financial Management Group, our strategy is two-fold. The first step is educating and informing the families we serve. Our exercise of due diligence identifies your current financial position. Clients learn insights into the financial path they have followed and how they’ve fared over time. This is the “check-in” point.

Once that is accomplished, an open discussion and brainstorm session with the client is conducted to mutually agree on how to focus appropriately as they approach retirement.

It is a fact today that, when speaking to them about retirement, the biggest fear people have is outliving their money. Our focus is to teach our clients to be prudent and address risks in retirement while understanding how these risks, along with costs/fees, internal expenses and performance, may impact their assets.

A retiree, new or existing, must understand that protecting principal*, income*, safety*, risk mitigation/management/avoidance replaces “in for the long haul” thinking. We aim to focus on a prudent financial review and plan accordingly.

*Annuities are products of the insurance industry and are not guaranteed by any bank nor insured by the FDIC or NCUA/NCUSIF. May lose value. No bank/credit union guarantee. Not a deposit. Not insured by any federal government agency. May only be offered by a licensed insurance agent. Fixed Index annuities do not directly participate in the stock market or any index. It is not possible to invest in an index. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty. Annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Guarantees and protections are subject to the claims-paying ability of the insurance company. A fixed indexed annuity is a contract you buy from an insurance company that provides the opportunity to earn interest based on the changes in an index such as the S&P 500® Composite Price Index. Regardless of index performance, indexed annuity contract values will not be impacted by negative index returns.