About Us

We specialize in working with retirees, and those about to retire. We help our clients avoid mistakes that can drain retirement savings. Our goal is to take the mystery out of investing, managing risk, preparing for retirement and preserving your wealth by helping you acquire the information you need to pursue your financial objectives. We strive to establish long trusting relationships with you.

Our Mission

• To provide Safe Investments that build, protect and preserve your retirement assets in a tax efficient manner.
• Recommend only products and services that fit your needs.
• Explain solutions to your concerns in plain English.
• Deliver personalized service beyond your expectations.
• Treat you with the Dignity you deserve, while always earning your respect.

Raymond A. Czapka - Personal Bio

Ray is a Certified Senior Advisor (CSA), a Certified Retirement Financial Advisor (CRFA) and specialist in tax, investment and retirement planning for Senior Citizens.  For over 25 years, he has been helping Seniors gain clarity about their finances thus enabling retirees to better manage their income, reduce their taxes, protect and grow their assets and enjoy a financially successful retirement. As a CSA/CRFA, he has voluntarily completed a rigorous certification process of demanding education and examination with focuses on experience and ethical requirements.

His training is specialized in financial planning, estate planning, tax planning, insurance planning and investment planning. Having earned a reputation as a dedicated and passionate advisor to Seniors, he is known for diligently assisting retirees with their own personal financial goals and offering objective advice when selecting investments. Ray always puts the interest of his clients first! Ray's workshops have been very popular with Seniors and are noted for being educational, entertaining and informative. Calif. Dept of Insurance Lic. #0660101

Mats Tyloskog, CFP^® - Personal Bio

Mats offers financial expertise - as a Certified Financial Planner™ and a specialist in investments and retirement planning for seniors. His personal experience in the insurance and financial field goes back to 1990. He helps retirees lower their taxes, protect and grow their assets, and most importantly, enjoy a worry free retirement. Mats is licensed to work with all forms of investments and life, health and long term care insurance. Sensible Strategies for Retirement are accomplished by proper planning.

Mats is trained in personal financial planning, estate planning, tax planning, and portfolio analysis. He is independent and not tied to one company, he will find the best solution to your needs. His Professional Creed: “In my dealing with clients, after making every effort to acquire full knowledge of their individual circumstances, I will recommend that course of action that I would, under those circumstances, apply to myself. Mats workshops are very informative and regarded with favor, always a discussion that is valuable and thought provoking.