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Robert Pagliarini
Works at Pacifica Wealth Advisors
Attended University of California, Los Angeles
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Robert Pagliarini

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You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. Start by figuring out the following:

-- How much monthly income will you need?
-- Should you try to go Roth?
-- Should you downsize or relocate?
-- How conservative should your portfolio be? 
-- How will you live?
-- How will you take care of yourself?

Give your retirement strategy a second look as the transition approaches. Review it in the company of the financial professional who helped you create and refine it. An adjustment or two before retirement may be necessary due to life or financial events.

Learn more on my blog... http://www.pacificawealth.com/retiring-next-5-years/
You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. How much monthly income will you … Continue reading →
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Robert Pagliarini

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You can contribute more to your 401(k) next year!
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Every day, people draw on money they don’t actually have – via credit cards, various loans, home equity lines of credit, and even their 401(k)s. Many of them end up making minimum payments on these high-interest loans – a sure way to stay indebted forever. If this is your situation, you may be wondering: how do I get out of debt? Here are some ideas.

*Make a budget. “Where does all the money go?” If you are asking that question, here is where you learn the answer. 

*Get another job. A family member who isn’t working can work to help reduce a shared family problem.

*Sell stuff. The Internet has proven that everything is worth something.

*Ditch the big car payment and drive a cheaper car that gets good MPG.

*Pay off all debts smallest to largest. The benefits are psychological as well as financial.

*Or, pay off your highest-interest debts first.

Keep the real goal in mind. Building wealth, not reducing debt, should be your ultimate objective. Some debt reduction and debt consolidation planners obsess on getting you out of debt, but that is only half the story. Minimizing debt is great, but maximizing wealth is even better.

Read more at: http://www.pacificawealth.com/6-steps-getting-debt/#sthash.XzuCzpRq.dpuf
Positive moves to counteract negative cash flow. The financial analysis website nerdwallet.com keeps track of the various debts common to the U.S. household. As of April 2014, they’ve found an average mortgage debt of $154,365. They have also discovered an … Continue reading →
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Not sure I should be sharing this one...
Sudden Wealth Radio
How to Hide Assets From Your Spouse
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What should you do if you are in the middle of a divorce but feel at the end of your rope? There are no easy solutions, but here are a few ideas that others have found to keep them from giving up:

1. Expect a marathon. Go into the divorce hoping it is resolved amicably and quickly, but do not expect it. 

2. Stay healthy. If you are tired, undernourished, and just worn out, it will be difficult to remain intellectually and emotionally strong.

3. Play "what if?" What's the difference between settling for $800,000 and $1.2 million?

4. Don't lose yourself. All too often "The Divorce" takes over client's lives. 

5. Sleep on it. If you feel you are at the point of breaking down and accepting a settlement you know is not equitable or financially tenable, sleep on the decision.

6. Listen to your advisors. Tell your team how you are feeling and that you are close to throwing in the towel.

7. Focus on the future. The most common complaint I've heard from divorcees is the loss of hope that tomorrow will be better than today.

8. Get support. Make an effort to spend extra time with supportive friends.

The temporary relief you might see from settling prematurely can come back to haunt you. I ask clients to look long-term: where will they be in one year, two, five or 10 years?

Read more at CBS MoneyWatch: http://www.cbsnews.com/news/divorce-financial-planning-8-tips-to-get-what-you-need-in-a-divorce/
Divorce can be physically and emotionally exhausting. Don't break under the pressure and give away what should be yours
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Robert Pagliarini

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What's the new myRA retirement plan all about? Find out here http://aol.it/1zJQpl7 via @daily_finance
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Some good advice (from me and others) on how to manage sudden wealth...
With 70 percent of newly wealthy people going broke within a year of a windfall, advisors caution clients to manage new money wisely—with their help.
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If you are a parent who worries about what your wealth will do to your children, you are not alone. Many clients want to leave money to their kids, but they are concerned that their children are ill-equipped to handle sudden wealth. Some worry that by providing too much money that it will rob their children of the ambition and hard work that it took for them to amass the wealth. 

If you are concerned about gifting or leaving your children an inheritance, consider these popular strategies:

1. Give your kids a financial test. 
2. Use incentive trusts.
3. Tie distributions to ages and events. 
4. Get your kids involved in a personal foundation. 
5. Give without giving cash. 

As a parent, you want what is best for your kids. It’s natural and reasonable to worry how a large inheritance will affect their drive and choices for life. With some planning, money can be a tool that enriches their lives rather than an anchor that drags them down. Consider the strategies above and talk to your financial advisor and estate attorney for more ideas.

Learn more about the strategies above: http://www.forbes.com/sites/robertpagliarini/2014/05/12/5-tips-before-you-leave-your-kids-an-inheritance/
Are you worried about leaving your kids an inheritance? Here are five strategies the wealthiest families use to ensure their children can handle the money.
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When was the last time you looked at your life insurance coverage? Why not do it now? If you haven’t reviewed your insurance lately, or don’t think you need life insurance, consider the following potential life factors:

*You are married and your spouse depends on your income

*You have children

*You have an aging parent or disabled relative who depends on you for support

*Your retirement savings and pension won’t be enough for your spouse to live on

*You have a large estate and expect your heirs will owe estate taxes

*You own a business, especially if you have a partner

*You have a substantial joint financial obligation such as a personal loan for which another person would be legally responsible after your death

If your circumstances match with any of the items above, or you anticipate a change, you may have a need for life insurance, or to update your current coverage.

Life insurance is a way to protect your loved ones financially after you die. In each of these cases, the proceeds from a life insurance policy can help them manage financially as they adjust to life without your income. The proceeds can also be used to meet funeral and other final expenses, which can run into thousands of dollars.

Learn more at Pacific Wealth Advisors: http://www.pacificawealth.com/last-time-reviewed-life-insurance-coverage/
When was the last time you looked at your life insurance coverage? Why not do it now? Life insurance can be a remarkable utility as an estate planning and tax-saving tool. Whether you have no life insurance, or you haven’t … Continue reading →
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Can you answer these questions???
In most marriages, one person manages the legal and money matters. But the one who doesn't must still stay in the know, or they risk becoming an out spouse.
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If you have substantial assets or are coming into a windfall from a sudden wealth event such as an inheritance, lawsuit, stock options sale, business sale or from a sports/entertainment contract, there are several money moves you should consider to best protect your new wealth against lawsuits and from others.

1. Increase your liability insurance.
2. Consider keeping assets separate. 
3. Protect yourself from renters.
4. Review all jointly held accounts.
5. Formalize informal partnerships. 
6. Create business entities to shield assets.

Sudden wealth can be a life-changing experience that can improve your life and the lives of those around you, but only if you keep it. Those with more assets are bigger targets for lawsuits. Don’t let your sudden wealth suddenly get stripped from you. Protect your assets before you get the windfall and you will sleep a little easier knowing your assets are better shielded.

To learn more, visit Forbes: http://www.forbes.com/sites/robertpagliarini/2013/10/09/6-asset-protection-strategies-to-shield-your-wealth/
Are your assets at risk? If you have substantial assets or are coming into a windfall from a sudden wealth event, you need to protect your assets with these six strategies...
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Have him in circles
559 people
Susie Mincy's profile photo
Marc Michael's profile photo
iqbal alvi's profile photo
Jaime Elwood's profile photo
Patricia Turnipseed's profile photo
John Donald's profile photo
pallavi Bohra's profile photo
Arthur Harold's profile photo
Steev Cooper's profile photo
Work
Occupation
Wealth Manager & Investment Consultant
Skills
Financial Planning, Investment Management, Sudden Wealth, Psychology of Money, Wealth Management
Employment
  • Pacifica Wealth Advisors
    President, present
    Located in Orange County, California, and serving clients across the nation, Pacifica Wealth Advisors, and its president Robert Pagliarini, have developed an expertise and national reputation for helping Sudden Wealth™ recipients and affluent clients manage their wealth. We have created a unique five-step process called 360Wealth Management that aims to improve every aspect of your finances and ensures nothing is overlooked. We cut through pie-in-the-sky theories and jargon to provide financial advice that actually makes sense for our clients.
Basic Information
Gender
Male
Relationship
Married
Story
Tagline
Sudden Wealth Advisor | #1 Bestselling Author | CBS Columnist
Introduction

Robert Pagliarini, MS, MA, CFP, EA is a Mission Viejo financial planner and president of Pacifica Wealth Advisors – a preeminent financial planning and wealth management firm with a national reputation for serving affluent investors and sudden wealth recipients -- those that suddenly receive a windfall from lottery, inheritance, business sale, lawsuit settlement, divorce, or stock options.

Robert Pagliarini, a Certified Financial Planner (CFP) and Enrolled Agent (EA) with the IRS, relies on his nearly two decades of financial experience as well as his master’s degree in financial services and his master’s degree in psychology to provide comprehensive and personal wealth management solutions.

Robert Pagliarini is the author of three books: The Other 8 Hours: Maximize Your Free Time to Create New Wealth & Purpose, the No. 1 bestseller Six-Day Financial Makeover: Transform Your Financial Life in Less Than a Week, and Plan Z: How to Survive the 2009 Financial Crisis (and even live a little better).

Robert writes a column for CBS MoneyWatch that is syndicated to the LA Times, Chicago Tribune, Huffington Post, and many others. He has appeared as an expert on Fox Business, 20/20, Good Morning America, Dr. Phil, ABC Morning News, the Ricki Lake Show, Dr. Drew’s Lifechangers, the Katie Couric show, and many other shows and publications.

Robert Pagliarini’s Expertise

Robert Pagliarini is the author of The Other 8 Hours: Maximize Your Free Time to Create New Wealth & Purpose, the No. 1 bestseller Six-Day Financial Makeover: Transform Your Financial Life in Less Than a Week, and Plan Z: How to Survive the 2009 Financial Crisis (and even live a little better).

Robert writes a weekly column for CBS MoneyWatch that is syndicated to the LA Times, Chicago Tribune, Huffington Post, and many others. He has appeared as an expert on Fox Business, 20/20, Good Morning America, Dr. Phil, ABC Morning News, the Ricki Lake Show, Dr. Drew’s Lifechangers, and in The Wall Street Journal, Newsweek, Money Magazine, etc. He has been a featured guest on National Public Radio’s financial program MarketPlace and hundreds of other national radio programs. Robert is a Certified Financial Planner and has two master’s degrees: one in financial services and another in clinical psychology.

Robert Pagliarini’s Professional Experience

Prior to founding Pacifica Wealth Advisors, Robert was the Executive Vice President of a wealth management firm based in Los Angeles with offices in Silicon Valley and Newport Beach. He provided comprehensive financial and investment advice to very affluent individuals and families for four years at this firm.

Before this, Robert established and operated a financial and business consulting firm. His clients were the executives of private and publicly traded companies in technology, medical device, education, service, and healthcare fields. Part of the service he provided to his clients was explaining complex concepts to an audience unfamiliar with them.

In the mid 1990s, Robert was the branch manager of a publicly traded financial firm headquartered in Beverly Hills, CA and with offices worldwide. During his tenure, Robert had the unique opportunity to oversee the development, deployment, and marketing of one of the first online investment trading sites in the world. What began as a tool for a niche of professional traders quickly developed into a way for anyone to easily invest on their own. While it was the great emancipation for the individual investor, he saw the devastating effect this new found freedom could bring to personal finance. Retirees, widows, and young families were trading online with only the knowledge that CNBC and stock message boards provided. Nothing was too sophisticated—not stock options, not short-selling, and not penny stocks. The focus was 100% investing at the expense of everything else. Robert uses this experience to ensure his current clients have a comprehensive approach to their finances and don’t neglect critical areas.

Robert Pagliarini’s Passion

Learning how to develop and follow a sound, long-term, and all-encompassing financial plan hits home for Robert. Although Robert serves affluent clients at Pacifica, because of his childhood, he has a personal passion to help those with less. His parents separated when he was very young, which put significant financial pressure on the family. Consequently, Robert has vivid memories of what it is like to be poor. Robert saw first-hand how a single event can turn one’s world upside down in the span of mere weeks.

Now, years later, he works closely with individuals and families to prevent such financial disasters from occurring. While, of course, he can’t guarantee every marriage will last or that disaster will never strike, Robert can help his clients prepare financially for the best and the worst.

To satisfy his passion to help every day families experience a greater sense of security and financial independence, he authored the #1 bestseller The Six-Day Financial Makeover–a personal finance book published by St. Martin’s Press in October 2006. Aiming to teach people from any background how to focus their financial planning around tangible goals, Robert has been able to give readers a greater sense of achievement and purpose every day they go to work. He has also authored Plan Z: How to Survive the 2009 Financial Crisis (and even live a little better) as well as The Other 8 Hours: Maximize Your Free Time to Create New Wealth & Purpose. His literary agent represents such bestselling authors as Dr. Phil and Stephen Covey.

Robert Pagliarini’s Charity

Robert is actively involved in two charities. He is the co-founder of The Band of Brothers Foundation–a 501(c)(3) non-profit organization that helps under-served children around the world. We currently support orphanages and schools in Vietnam, Thailand, Cambodia, and Burma and have previously had projects in Costa Rica, China, and the United States.

Robert Pagliarini’s Personal Life

When not working or writing, Robert enjoys going to Disneyland with his wife and young daughter, climbing mountains (Mt. Kilimanjaro is the tallest peak yet), and training for triathlons (Olympic distance is longest yet).

Bragging rights
Love doing triathlons (recently completed half-Ironman) and recently climbed Mt. Kilimanjaro (2013)
Education
  • University of California, Los Angeles
    Financial Planning, 1999 - 2001
    Financial Planning, Investment Management
  • Chapman / Brandman University
    Clinical Psychology, 2010 - 2012
    Master's Degree in Psychology
  • American University
    Finance, 2003 - 2005
    Master's Degree in Financial Services
  • Washington State University
    Psychology, 1993 - 1995
    Bachelor's Degree in Psychology