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Roy Y. Gagaza

Founder at Journey Wealth Management, LLC

About Me

Roy Y. Gagaza is a financial professional dedicated to assisting his clients in securing their financial futures during retirement. With accreditations as a Certified Estate Planner (CEP) and a Registered Financial Consultant (RFC), as well as holding insurance licenses in Hawaii (458231) and California (0L87925), he brings a wealth of expertise to his practice.

Throughout his career, he has garnered numerous accolades for his exceptional service. On January 5, 2023, he and his wife Patricia, co-founder and CFO at Journey Wealth Management, were honored with induction into the Advisors Excel Hall of Fame. Since 2018, he has consistently received the Advisors Excel Elite Advisor Award and the Security Benefit Elite Advisor Award in 2018 and 2020. Additionally, he achieved the Allianz Century Award, symbolizing the attainment of $100 million in premiums.

He and Patricia are proud parents to two daughters, Kyrie and Mackenzie, and one son, Grant. During his leisure time, he can often indulge his passion for tropical waters, refining his golf skills, exploring new destinations, and delving into literature.

In service to his community, he has forged valuable connections by collaborating closely with local school districts, partnering with the highway patrol, engaging with local CPAs, and participating actively in Chamber of Commerce initiatives across various locations.

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Portfolio

Roy Y. Gagaza Portfolio

Recent News

Medicaid Planning
November 17, 2025

Safeguarding Your Future: Long-Term Care and Medicaid Planning Strategies

Planning for long-term care is a crucial step for anyone who wants to protect their assets while ensuring quality care in the later years of life. With rising healthcare costs and the unpredictable nature of aging, understanding Medicaid planning and the available options can significantly impact financial security. By approaching this process strategically, individuals and […]

Roy Y. Gagaza :Social Security
November 5, 2025

Mastering the Right Time: Smart Strategies to Claim Social Security Benefits

Deciding when to claim Social Security is one of the most critical financial choices you’ll make for retirement. Although many people rush to claim benefits as soon as possible, the timing of your claim can significantly affect how much you receive for the rest of your life. Understanding how age, health, and financial needs interact […]

sustainable income plan
October 27, 2025

Learning to Build a Sustainable Income Plan for Retirement

A sustainable income plan is a structured approach to managing retirement finances in a way that ensures income continues for life. Many people spend years saving money for retirement but overlook how that money will provide consistent income once they stop working. Developing a plan helps transform savings into a steady stream that can cover […]

Roy Y. Gagaza
September 25, 2025

Navigating the Social Security Earnings Test: What Retirees Need to Know

The Social Security Earnings Test is a rule that determines how much of your Social Security benefits may be withheld if you continue working while collecting benefits before reaching full retirement age (FRA). Simply put, it places a limit on how much you can earn before your benefits are temporarily reduced. This test is often […]

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