Retirement & Wealth Management Valley Strong
Plan your tomorrow
Manage your wealth today
Your hard-earned money shouldn't just sit idle. Learn how to combat inflation and preserve your assets. Embrace smart wealth management strategies today to work towards a comfortable future. It's never too early to think about your financial horizon.
UNDERSTAND INFLATION AND RISING COSTS
Keep pace with the economy as costs climb. Our wealth strategies aim to outgrow inflation, preserve your spending power and improve your financial well-being.
THINK AHEAD AND DEFINE YOUR FUTURE
Imagine a future where your financial goals are met with confidence. We’ll help you plan and invest wisely, ensuring that your golden years shine brightly.
CREATE A STRATEGY CUSTOMIZED FOR YOU
Your financial blueprint should be as unique as you are. We customize investment plans that resonate with your personal risk profile, goals, and timeline for an optimal financial outlook.
I have a new account that I am very excited about & telling my friends about it also. I also wanted to thank Valley Strong for their continued commitment to their employees and members.
Eydie A.
Professional guided solutions for all
From Starters to Savers
Our dedicated advisors partner with you to craft financial strategies that grow with you—whether you're planning for a secure retirement or seeking growth opportunities. Discover how we personalize your financial journey with solutions designed just for you.
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Stress-Free Transition
Eydie A.
Valley Strong Members since 2015
Richard Ramos
CERTIFIED FINANCIAL PLANNER™
LPL Financial Advisor"As I previously had written how Richard Ramos in Wealth Department has worked to get my accounts straightened out, his assistant Angel Espinoza has also worked diligently to get the paperwork completed. I couldn't thank Angel enough for all the amazing work he has completed to get the account funds transferred, and as always i am grateful for the service of Valley Strong.
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Knowledgeable Resource
Eydie A.
Valley Strong Members since 2015
Richard Ramos
CERTIFIED FINANCIAL PLANNER™
LPL Financial Advisor"I have had an account in the Wealth Management Department for a while. I recently decided to make some changes in my portfolio, and Richard Ramos came highly recommended. He has truly lived up to his recommendation. He is so knowledgeable and thorough with my accounts. He took his time in explaining the decisions I needed to make. Richard could have been a college professor at a major university, but you and I are so fortunate to have him here with us.
Guided Wealth Portfolios
Invest in your future with Guided Wealth Portfolios* (GWP), a digital investment platform that combines the benefits of a personal financial advisor with sophisticated technology.
Key Features:
- Straightforward investment plan based on your input about goals, timing, and risk.
- Low minimum investment of $5,000, making it easier to get started.
- Portfolios made of diversified, low-cost ETFs, built by LPL Financial.
- Automatic monitoring and adjustments to help keep your portfolio aligned with your goals.
- 24/7 online access so you can check your account anytime.
- Connection to an investment professional, available to answer questions or provide assistance.
OUR PROCESS BEGINS WITH AN
IN DEPTH DISCOVERY
At Valley Strong Retirement and Wealth Management, we delve deep into your ambitions and challenges to unveil a financial strategy that's as unique as your fingerprint, and aligned with your life’s rhythm.
FINANCIAL NEEDS ANALYSIS
The first step toward a custom-tailored plan, offering a clear view of your financial landscape for a secure tomorrow.
TAX Planning
We consider how the tax implications of your investment plan fits into your overall financial strategy.
RETIREMENT & WEALTH PLANNING
Our Retirement Planning services focus on ensuring you have the resources to enjoy your well-deserved rest.
OUR WEALTH BUILDING BLOCKS, HANDPICKED TO
Build a Plan That Fits You Best
From the foundation laid by our in-depth discovery, we select from a wide array of building blocks to construct your personalized wealth management plan to form the structure of your financial future.
401(k) PENSION OPTIONS
Enhance your retirement with 401(k) options featuring employer matches and tax perks.
403(B), ROTH 403(B), 457(B)
Opt for 403(b) or 457(b) plans for tailor-made educator and non-profit employee retirement saving.
IRAs
Optimize your nest egg with traditional or Roth IRAs for tax-smart retirement savings.
ANNUITIES
Convert savings into reliable retirement income with annuity products.
BROKERED CDs
Secure steady income with Brokered CDs, an essential part of a diversified investment portfolio.
MUTUAL FUNDS
Dive into market growth with professionally managed Mutual Funds, tailored to your investment profile.
COLLEGE PLANNING
Future-proof education costs with tax-advantaged 529 or ESA College Planning accounts.
LIFE INSURANCE
Ensure your family’s future with Life Insurance options that provide lasting peace of mind.
Jim Hussey
Vice President of Wealth Management
LPL Financial Advisor
Welcome to Valley Strong Retirement and Wealth Management Group. I am dedicated to transforming my client’s relationship with money and their financial well-being. As the Vice President of Wealth Management, I not only do this for my clients, I get to work with a wonderful team of advisors and staff throughout our footprint and help their clients pursue their dreams. With 25 plus years of industry experience, I draw on lessons of the past and apply them to today’s reality and economic environment. I received my Bachelor of Science in Finance from California State University Bakersfield graduating with Honors. Hold Series 7 and Series 66 securities license as well as California Insurance license.
Look up our advisors with Brokercheck here.
Jim.Hussey@valleystrong.com (661) 833-7588 | California State Insurance License #0E24250
Richard Ramos
CERTIFIED FINANCIAL PLANNER™
LPL Financial Advisor
Richard is an LPL Financial Advisor with the Valley Strong Retirement & Wealth Management Group, available through LPL Financial. Richard relies on his many years of financial experience and discipline to provide objective strategic advice for wealth accumulation and preservation goals. Upon arriving at the goal or retirement, Richard works closely with his clients in assisting with cash distribution and legacy succession. He currently holds the series 7, 63, 66 licenses through LPL Financial, as well as the California State Insurance
Look up our advisors with Brokercheck here.
Richard.Ramos@valleystrong.com (661) 833-7762 | California State Insurance License #0F03683
Patrick Bailey
LPL Financial Advisor
Patrick Bailey is an LPL Financial Advisor for Valley Strong Retirement & Wealth Management Group. Patrick specializes in retirement planning, wealth management, long-term care insurance, and life insurance. He currently holds his series 7, 63, and 65 securities licenses through LPL Financial as well as his California State Insurance License (#0H69656). Patrick originally started his career with Valley Strong Credit Union as a teller in 2007.
Look up our advisors with Brokercheck here.
Patrick.Bailey@valleystrong.com (661) 833-7438 | California State Insurance License #0H69656
Salem Faulkner
LPL Financial Advisor
Salem Faulkner is a LPL Financial Advisor with Valley Strong Retirement & Wealth Management Group, available through LPL Financial. Salem is a Bakersfield native who focuses on addressing his clients' financial goals through sound advice and access to a variety of quality products and services. He currently holds the series 7 and 66 securities licenses through LPL Financial, as well as the California State Insurance
Look up our advisors with Brokercheck here.
Salem.Faulkner@valleystrong.com (661) 833-7451 | California State Insurance License #0K18716
Frank Feng, CFP®*, ChFC®
LPL Financial Advisor
Frank has been working in the financial services industry for over twenty years. As a Chartered Retirement Planning Counselor (CRPCâ), Frank dedicates his services to senior citizens, retirees and those entering retirement. More than 85% of his current clients are age 50 and older, with the oldest at age 95. Frank's knowledge and experience in helping seniors manage their finances enable him to provide invaluable advice and services unique to his clients.
Look up our advisors with Brokercheck here.
frank.feng@valleystrong.com (209) 461-6740 | California State Insurance License #0B68933
Your Wealth Plan is
Just a click away
Start your wealth management journey with tailored investment
solutions to help you achieve your financial aspirations.
Monitor and manage your investments online
Take control of your financial future with our intuitive online investment management platform. Easily track your portfolio's performance, analyze market trends, and make informed decisions at your fingertips.
Weekly Market Commentary
Stay informed and empowered with our Valley Strong Weekly Market Commentary. Each week, our experts analyze market trends and provide insights to help you navigate your financial journey. From retirement strategies to investment optimization, we share personalized advice and valuable resources tailored to your long-term goals. Explore our latest articles and schedule a consultation to enhance your financial knowledge and security.
Learn More
RETIREMENT PLANNING &
TAX MANAGEMENT CHECKLIST
Managing wealth in retirement requires balancing growth, tax efficiency, and legacy planning.
Use this checklist to review your strategies and coordinate with your financial and tax professionals.
START YOUR
FINANCIAL JOURNEY TODAY
Experience the benefits of Valley Strong Retirement and Wealth Management.
Contact UsLPL Financial Form CRS
The Financial Consultants of Valley Strong Retirement & Wealth Management Group are Registered Representatives with, and Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL Financial or its licensed affiliates.
Valley Strong Credit Union provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay Valley Strong Credit Union for these referrals. This creates an incentive for Valley Strong Credit Union to makes these referrals, resulting in a conflict of interest. Valley Strong Credit Union is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html.
Valley Strong Credit Union and Valley Strong Retirement & Wealth Management Group are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Valley Strong Retirement & Wealth Management Group, and may also be employees of Valley Strong Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Valley Strong Credit Union or Valley Strong Retirement & Wealth Management Group.
Securities and insurance offered through LPL or its affiliates are:
| Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Check the background of investment professionals associated with this site on FINRA'S BrokerCheck.
*Guided Wealth Portfolios (GWP) is a centrally managed investment program sponsored by LPL Financial LLC (LPL). GWP generates investment recommendations based upon model portfolios constructed by LPL. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL, LPL is not an affiliates of such advisor. LPL investment advisors are registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.
All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
An annual small account fee is applied to accounts with less than $10,000 invested.
References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.
With your free proposal, you will have access to sample recommendations at no charge to you. If you decide to open a GWP investment management account, you will be charged a quarterly account fee, as well as certain additional costs such as underlying investment fees and expenses and other miscellaneous fees. If you decide to implement sample recommendations in the proposal with another firm, you may be charged fees, commissions, or expenses by that firm, as well as underlying investment fees and expenses.
An investment in exchange-traded funds (ETFs), structured as a mutual fund or unit investment trust, involves the risk of losing money. An investment in ETFs involves additional risks such as non-diversification, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.