Patti Rose
Financial Strategist at Rose Financial Solutions
- Location
- San Francisco Bay Area
- Industry
- Financial Services
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Patti Rose's Overview
- Current
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- Financial Strategist at Rose Financial Solutions
- Retirement Workshop Leader & Solution Provider for CalSTRS Members at The Becker Group Insurance & Financial Services
- Supplemental Employee Benefits Coordinator at Allstate Workplace Division
- Financial & Insurance Advisor at Patti Rose Independent Agency
- Past
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- Employee Benefits Consultant at Colorado Bankers Life
- Education
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- Southern California University of Profession Studies
- The American College
- Connections
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97 connections
- Websites
Patti Rose's Summary
If you’re concerned about running out of money in retirement, I can help.
When you work with me as your retirement income planner, your retirement savings is protected so that the accumulation in your account value will never decline, even in bear markets. Your contract value grows when the market is good and it’s protected (you DO NOT lose money) when the market is bad. None of my clients have lost money in their retirement accounts even in a volatile market. In fact, some accounts grew quite nicely due to entry bonuses I was able to secure for them.
I help you protect your retirement nest egg from:
•Future Taxation
•Inflation – consider that current inflation does not include food and energy.
•Stock Market Losses – Are you tired of risking your principal in order to get a decent return?
•Home Value Losses – Were you planning on selling your home in order to fund your retirement?
Need to Save More?
If you are not saving enough money for retirement because of current cash flow, I can help you find more money to save for retirement without reducing your current lifestyle.
Here’s what I can do for you: Reduce the amount of transferred wealth in your finances (the money that you unknowingly pay out each year in unnecessary taxes, fees, interest and other charges) and, instead, redirect that money to fund:
1) Your retirement nest egg;
2) Pay off your current debt or mortgage loan ahead of schedule;
3) Misc expenses such as: College tuition, paying for a wedding, Long Term Care, home purchase, family vacation.
My top priority is to build you a bucket of retirement income that you cannot outlive, regardless of your current financial situation. It's never too late and the sooner you get started, the better.
Specialties
CalSTRS pension, STRS teacher retirement, retirement planning, retirement income, retirement workshops, tax-free retirement, retirement accounts, 403(b), IRA, Roth, 401K rollovers, financial planning, debt reduction, asset protection.
Patti Rose's Experience
Financial Strategist
Rose Financial Solutions
January 2011 – Present (1 year 2 months) Northern California
As a Financial Strategist, Patti Rose helps people find money they are currently transferring away unknowingly and unnecessarily. I address areas of money such as Mortgages, Taxes, Funding Qualified Plans (401Ks, IRAs, 403Bs) College Planning, student loans, car payments and credit card debt.
The average American household loses more money in these areas than they will accumulate in their lifetime in savings.
I identify the areas where wealth is being transferred out of your household finances and redirect that money into your accumulated wealth (ie retirement savings, down payment to purchase a home or college savings).
This one strategy alone automatically increases the rate of return you're currently getting on your investments without increasing your exposure to risk.
Learn key money strategies that are designed to:
Protect your investments from exposure to loss
Provide a competitive rate of return
Provide tax-free retirement income
Allow access, liquidity and control of your cash assets
Reduce inflation risk
Provide protection from future income tax rates
Protect principal from loss with safety guarantees
401K Rollovers / Life Insurance / Portfolio Diversification
I work with clients in the following formats:
One-on-One Consultation
Seminars & PowerPoint Presentations
Webinars & Teleclasses
Conference Calls
Retirement Workshop Leader & Solution Provider for CalSTRS Members
The Becker Group Insurance & Financial Services
Public Company; Myself Only; Insurance industry
May 2008 – Present (3 years 10 months)
As a financial services professional and CalSTRS specialist, Patti Rose works in California school districts as a 403(b) solution provider and retirement income planner conducting CalSTRS Retirement System workshops. She provides comprehensive retirement income planning for educators that enables them to plan for a secure retirement.
Additionally, she offers stock market alternatives for 403b and 457 rollovers, which provide minimum guarantees, safety of principal, loan provisions and lifetime income options.
Supplemental Employee Benefits Coordinator
Allstate Workplace Division
Public Company; 1-10 employees; all; Insurance industry
January 2007 – Present (5 years 2 months) Northern California
Voluntary Employee Benefits
Worksite Marketing
Disability Income
Supplemental Accident Coverage
Critical Illness
Cancer Coverage
Hospital Indemnity
Term Life
Financial & Insurance Advisor
Patti Rose Independent Agency
January 2006 – Present (6 years 2 months)
As a retirement income planner, Patti Rose works predominantly with California educators and CalSTRS members to help them prepare for a secure financial future.
Her focus is tax-free retirement income, which mitigates the impact of future taxation on retirement accounts (401K, 403b, IRA). She also provides voluntary employee benefits for small businesses and tax-free retirement income solutions for individuals.
She has undergone extensive training with industry leaders to serve the needs of her clients who are mostly school teachers, academic professionals, small business owners and government employees. Over two decades of business experience, including management, sales and marketing, real estate investing, employee benefits and retirement income planning provides Patti the skill set to position her clients for maximum capital preservation, tax-deferred and tax-free growth, and strategic retirement income planning that enables them to retire with security.
Her client list includes Monterey Peninsula Unified School District, Scotts Valley Unified School District, Santa Cruz City Schools District, Live Oak School District, Pacific Grove School District, Redwood City School District, Pajaro Valley Unified School District, Fremont Unified School District, Santa Clara School District, Social Security Administration of Salinas, and California Professional Firefighters Association.
Additional services include: Retirement Seminars; CalSTRS Workshops for Educators; Tax-Free Retirement Income Planning; Comprehensive Accelerated Debt/Mortgage Elimination Plan; 401K Rollovers and Stock Market alternatives (which include minimum guarantees, safety of principal, loan provisions and lifetime income options).
Patti Rose's Skills
Patti Rose's Education
Southern California University of Profession Studies
Psychology
The American College
Insurance & Finance
Patti Rose's Additional Information
- Websites:
- Interests:
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Tax-Free Retirement Seminars, CalSTRS Retirement Planning, tax-free retirement income solutions, equity indexed and fixed annuities, life insurance, voluntary employee benefits, accident and disability income insurance, public speaking, business networking, wine tasting, opera, ballet, theatre, fitness, nutrition, working out, gym, dancing, music, entertaining, cooking, gluten-free diet, golf.
- Groups and Associations:
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National Association of Insurance and Financial Advisors, Triquest Equity Management, Circle of Wealth System, eWomen Network
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Contact Patti for:
- career opportunities
- consulting offers
- new ventures
- expertise requests
- business deals
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