What makes California Retirement Advisors different?
California Retirement Advisors (CRA) was founded in 1997 by Christian R. Cordoba, a CERTIFIED FINANCIAL PLANNERTM professional, with the goal of providing clients financial retirement advice beyond merely buying investments.
We specialize in helping you grow and protect your income and assets, and save money on taxes for a worry-free retirement. To do so, we provide comprehensive guidance for successful people with the unique financial challenges of living, working, playing and retiring in (or from) California.
Our single CORE purpose is to compassionately empower successful people to live a better life.
Our unique CRAve Life Advisory process is designed to help if you want to make smart financial decisions for or during retirement, but don’t have the time, knowledge or desire to do it yourself.
Christian R. Cordoba
CFP®, RFC®, CFS
“There's more to protecting the health of your retirement wealth than merely investment advice."
We believe that smart financial planning, from a holistic and collaborative approach (not just "investment advice") before and during retirement can help you live a richer, fuller, more confident and successful life.
Our company was founded on this premise to specialize in retirement back in 1997. Our mission remains the same today is it was back then - To help successful people plan, manage and monitor, the overall income, investment and distribution of their retirement wealth, beyond merely investments, so they can be a good steward of their money and live a better life. .”
WHY we do what we do?
At California Retirement Advisors, we genuinely believe that smart financial knowledge and decision-making can help people be even better stewards of their money and significantly impact their quality of life.
WHAT is our single CORE purpose?
To compassionately empower successful people to live a better life.
HOW do we do this?
By providing specialized financial guidance in retirement using our unique CRAve Life Advisory Process to help plan, manage and monitor the income, investment and distribution of your wealth.
WHO do we do this for?
Successful people who want to grow and protect assets, income and inheritance, but don’t have the time, knowledge or desire to do it themselves.
Failure in retirement simply is not an option. That is why, unlike generic investment advisors, we specialize in retirement. The difference between hope and confidence that you will be ok comes from having a comprehensive plan that is developed, managed and monitored regularly. It takes specialized experience to invest for preservation and income, not just for growth. It also takes specialized knowledge in the ever-changing tax rules and regs to help plan for the tax efficient distribution of your IRA, 401(k), 403(b), 457, TSP, annuities and other retirement assets, but during your lifetime and after you pass away.
At California Retirement Advisors (CRA), our clients partner directly with independent financial advisors who have made the ultimate career commitment by owning their own financial planning practices, rather than working as temporary employees of a financial firm with a proprietary agenda of that company. We do not take the responsibility of providing financial guidance lightly, and we go through great lengths, sacrifice and commitment of time and expense, to stay proactive and forward thinking for the benefit of our clients. We are all in, for you! We are here to serve as advocates of your best interest.
While we take an important role in the financial planning and management of your wealth, we never lose sight that the money is yours, not ours. We always listen and respect your decisions. You will find no pressure or sales strategies here. Our proprietary holistic planning process has been designed specifically to understand and serve your unique needs and wants together “with” you.
At California Retirement Advisors, we’ve built relationships with various financial practitioners who specialize in their respective fields of expertise. Upon your approval, we will use your comprehensive financial planning information to help coordinate with your tax advisor, estate plan attorney, Medicare specialist, banker, insurance agent, mortgage broker or any other advisor on your team of financial practitioners to help align and optimize all of these financial efforts on your behalf. If you don’t have a team, we can help introduce you to one or more of our resource or extended partners. We also have negotiated access to leading resources and service providers for our clients.
Our financial services and advisory agreements are designed to suit your unique needs. From fee-only planning to no-fee commission-based implementation, to asset-based investment advice, to full-service financial life management, it all starts with a simple conversation to see how we can learn your needs and preference to provide the most value to you.
Bottom line, we have the ability help provide you with options to be able to engage on your desired terms.
If this resonates with you, we would love to hear your story.
Request a meeting so we may answer your questions, learn how you can get started with our CRAve-Life Advisory ProcessSM, and live a better life.
Our financial services agreements are designed to suit your unique needs. From fee-only planning to full-service financial life management, it all starts with a simple conversation to see how we can provide the most value to you.
- Retirement Guidance for those at or near retirement.
- Investment Advisory services based on your unique needs and objectives.
- Financial Life Management for full-service concierge wealth management.
- Guidance-Driven Financial Services, including IRAs & 401(k) rollovers & planning, risk management through insurance strategies, retirement income planning, estate planning coordination and tax-reduction strategies.
Our costs are structured depending on the types and level of service you engage in, from fee-only financial plans to a percentage of the assets that we manage. Complete transparency is our policy, and once we are able to assess your needs, we will take time to fully discuss your options, the costs and benefits of working together.
While we don’t have minimum asset requirements for consulting services, our business model for wealth management is priced most cost-effectively to match the needs of and deliverables to the mass-affluent investor, meaning liquid retirement assets of $1 Million or more, or annual household income levels above $150,000. If we can’t provide worthwhile value, we’ll be the first to let you know.
The people who benefit most from our services are successful people who want to grow and protect assets, income and inheritance, and want to be good stewards of their money for themselves and their family. They also lack one of the following in terms of managing their retirement wealth:
- Knowledge or
- Desire to do it themselves.
Even if you have two of the three, your financial life will not get the attention it needs to optimize your success. You need all three.Finally, not only do they want to make sure they don’t run out of money in retirement, but they want to live a better, fuller, richer life along the way.
Do you want to free up your time so you can live a better life? Contact us today so you can focus on the things that you enjoy and matter most to you.