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.
Achieving financial security is a goal many people strive for, yet it often feels elusive. The path to economic stability requires thoughtful planning, discipline, and a long-term mindset. It is essential to understand that building a secure financial future is a process that begins with small steps and requires consistent effort. In this article, we […]
Passing down wealth isn’t just about leaving money behind. It’s about ensuring your loved ones receive your legacy with minimal tax burdens. If you fail to plan appropriately, federal and state estate taxes can take a significant portion of your assets. Fortunately, innovative gifting strategies allow you to pass down wealth tax-free while staying within […]
Creating an estate plan is essential for ensuring that your assets are distributed according to your wishes after your death. This process involves deciding how to allocate your property, financial assets, and other valuables among your beneficiaries. How you distribute your assets can have significant emotional and economic consequences for your loved ones. With proper […]
When you retire, you may find that your financial priorities shift, especially when managing taxes. Making charitable contributions is one of the best ways to reduce your taxable income while supporting causes you care about. However, it’s essential to understand how to maximize the tax benefits of your donations. In this article, we’ll dive into […]