Retirement planning that speaks your language — clear, honest, and built around your whole life. Not just your portfolio.
Complimentary 30-min conversation · No obligation
Like spokes on a wheel — if one is weak, the whole thing wobbles. We make sure all five are strong.
"Most advisors touch one or two of these. We architect all five — because your retirement deserves a complete plan, not a partial one."
Most financial advisors aren't legally required to put your interests first. We are. And we chose to be — not because we had to.
We are legally and ethically bound to act in your best interest. Not sometimes. Not when convenient. Every decision, every day.
You're smart, accomplished, and capable. We treat you that way. No jargon, no condescension — just clear answers to real questions.
The decade before and after retirement is the most critical financial transition of your life. It's all we do.
We earn one transparent fee — yours. No product sales, no hidden incentives, no conflicts of interest. What you see is what you get.
The gold standard in IRA expertise — training directly under Ed Slott, America's IRA expert.
Advanced certification in retirement income planning, distribution strategies, and longevity risk.
California-registered RIA — no bank, no broker-dealer, no outside influence on our advice.
We use cutting-edge AI to deliver deeper research, faster responses, and more personalized strategies.
"Since 2007, I've guided clients like you through almost every financial situation imaginable — and I'm here to help you through yours."
— Rick Loek, Founder
These aren't marketing promises. They're the standards we hold ourselves to — every client, every conversation, every day.
You should know exactly what to expect before you ever speak with us. Here's our four-step process from conversation to confident retirement.
"I became a fiduciary by choice, not by requirement. Because the people who trust me with their retirement deserve nothing less."
I've been working with clients like you since 2007 — helping individuals and families navigate the most important financial transitions of their lives. I've seen what happens when advisors put their interests before their clients' — and I built Onesta to be the antidote to that.
I specialize in the decade before and after retirement — the window where the right decisions make an extraordinary difference, and the wrong ones are hardest to recover from. I bring rare credentials, deep expertise, and the kind of honest conversation most advisors avoid.
One 30-minute conversation. No pitch. No pressure. Just honest answers to the questions you've been carrying around — and a clear sense of where you actually stand.
Complimentary · No Obligation · No Pitch · Just Answers