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Are you retired and concerned about being financially secure? we can help you align your portfolio with your goals.

We are CFP® and fiduciary financial advisors who provide customized plans and investment management services.

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Is your financial plan working as hard as you did?

Are you concerned you’ll run out of money in retirement? Or if your portfolio isn’t invested correctly? Or maybe you need a second opinion your financial plan for retirement will keep you comfortable and secure.

We’ve worked with hundreds of retirees who had similar questions. We help them gain clarity and confidence in their financial plan after retirement.

Fee-only advisors

We receive no commissions or have any financial incentive to recommend one strategy over another. We provide advice we think is best for your retirement.

Clean Record

You've worked hard for your money, and the advisors working for you should be clean and honest. In 22 years, we've never had any regulatory issues or complaints.

20 Years+ Experience

The president and lead financial advisor has over 22 years of retirement planning and investment experience. He is also a Ph.D. candidate in retirement planning.

Fiduciaries

We are fiduciary financial advisors - we always put our clients' interests first. Unfortunatly - most advisors are not fiduciaries.

Independent

We do not have our own products we will try to sell you. We only recommend strategies and investments that we think are best for you.

Transparent

Relationships are built on trust. Working with a financial advisor is a big decision. We try to make everything as transparent as possible so there are no surprises.

Fiduciary Financial Planner Irvine

We are true fiduciaries.

This means we always put our client’s best interests first. A true fiduciary also means that we are not part-time fiduciaries. We put our client’s best interests first in all cases and at all times. Less than 8% of financial advisors are true fiduciaries. Read our fiduciary oath to see the principles we live by.

You have enough to think about right now - trusting your retirement financial advisor shouldn't be something you have worry about! Choose a fiduciary financial advisor.

WE TRY TO SOLVE “THE NASTIEST AND HARDEST PROBLEM IN FINANCE."

How much income can you safely withdraw from your retirement accounts without risking running out of money? It seems like a simple and straightforward question, but would you be surprised that a Nobel Prize-winning economist said that this is "the nastiest and hardest problem in finance?" If a PhD from Stanford thinks this is the biggest challenge, it means it requires a great deal of planning. This is where we come in. Lead retirement advisor, Robert Pagliarini, has a PhD in retirement planning and works to solve this "nastiest and hardest problem" and give his clients confidence.

Working towards a lifetime stream of income in retirement

For over 20 years, we have helped retirees with many aspects when it comes to their financial retirement plan. We understand the decisions you make during retirement can mean the difference between having assets and income grow or shrink as you age. We implement strategies to help reduce the risk in your portfolio and better provide a lifetime stream of income.

As your retirement financial planner, we focus on helping you:

Ensure you have retirement-ready investments

Frequently review the retirement financial plan and be willing to shift

Have the right mix of growth and safety in your portfolio

Maximize Social Security income in retirement

Purchase protection from the most common risks while retired

Efficiently make required minimum distributions from retirement plans

Prudently convert your financial assets into income

Add multiple sources of income if necessary

Meet the Retirement Financial Advisor

Robert Pagliarini, PhD, CFP®, EA is passionate about helping retirees build the financial plan of their dreams. He’s the founder of Pacifica Wealth Advisors and has over 22 years of experience as a retirement financial advisor.

You may have seen him on Katie Couric, Dr. Phil or Good Morning America as an expert in finances. Robert is a certified financial planner as well as a CFP® Ambassador, one of only 50 in the country!

He holds a Ph.D. in retirement planning from The American College and is focused on how to make retirement portfolios last decades while providing a steady source of income.

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Meet the Retirement Financial Advisor

Robert Pagliarini, PhD, CFP®, EA is passionate about helping retirees build the financial plan of their dreams. He’s the founder of Pacifica Wealth Advisors and has over 22 years of experience as a retirement financial advisor.

You may have seen him on Katie Couric, Dr. Phil or Good Morning America as an expert in finances. Robert is a certified financial planner as well as a CFP® Ambassador, one of only 50 in the country!

He holds a Ph.D. in retirement planning from The American College and is focused on how to make retirement portfolios last decades while providing a steady source of income.

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Manage and track your finances 24-7

Whether you're newly retired in sunny Las Vegas  - or have been retired for years in California - we can ensure your financial plan worked as hard as you did! We work many retirees across the country.  We utilize a sophisticated financial planning platform and can handle all paperwork, meetings and more 100% online.

Optimized financial planning in retirement

Success or failure in the post-retirement phase depends on many factors which should be explored and optimized for your situation. The strategy and decisions you make at & throughout retirement can mean the difference between having assets and income grow as you age or shrink as you age.

Many retirees and advisors inaccurately think the “point of significance” is right at retirement. However, this is not true. There is not just one point of significance. Each day in retirement is a point of significance and the decisions can either improve or deteriorate your retirement success.

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THE MOST COMMON QUESTIONS ABOUT RETIREMENT

For over 22 years, we've been helping answer these questions regarding financial planning for retirement.
  • Do I have enough saved and invested to retain my current lifestyle?
  • What should I be thinking about and doing now that I am retired?
  • Am I taking too much or too little risk with my investments?
  • How should my portfolio be allocated in retirement?
  • How should I take advantage of my lower tax rate?
  • Are there non-financial issues I should be thinking about in retirement?
  • What are the biggest risks financially in retirement?
  • When should I take Social Security?
  • Can I afford to help my kids financially now that I’m retired?
  • How should I take advantage of my lower tax rate?
  • Are there non-financial issues I should be thinking about in retirement?
  • What are the biggest risks financially in retirement?
  • When should I take Social Security?
  • Can I afford to help my kids financially now that I’m retired?
Reach us at (949) 305-0500