YOUR FREEDOM, IS OUR GOAL
Since J.R. Financial & Insurance Services was founded Feburary 2008, we have worked with many different types of clients of all walks of life. We work diligently at setting up reports for clients so they can clearly understand their situation. When experts are needed to focus on specific legal issues or complicated circumstances, we have a variety of attorneys, financial experts and Real Estate professionals who specialize in dealing with specific situations. Our goal is to help you gain control of your estate by better understanding what your estate is, what concerns potentially face your estate, and what solutions you have available to fix / prevent problems in the future.
Our ideal client is someone who needs help with retirement, estate planning, tax planning, loans, home sale/purchase, estate buildup or estate transfer, advanced planning & financial analysis. We want to support their goals by identifying problems and helping to develop solutions.
James Rukstalis, CLU, ChFC, CFP®
With over twenty years of experience, James has built a successful retirement planning business, with clients throughout all of California, Ohio, Minnesota, Florida, Washington & Texas. He has worked with regular individuals from all types of professions including Federal Employees, Bay Area Rapid Transit, Kaiser, San Jose State Teachers & Football Coaches, Cal Berkeley Football Coaches, and SF 49ers.
His specialties include planning for retirement, setting up guaranteed retirement income, estate transfer planning, FERS & CERS Governmental planning, and planning social security strategies. He has been published in several retirement trade publications for seniors and retirement planning.
He was instrumental in helping overturn the 401(a) retirement plans to BART employees for the state of California. He also holds a variety of licenses including Insurance, Real Estate, NMLS (Lending), FINRA CRD# 6736220 & Notary Public. He is licensed in multiple states and holds many designations including CAS & ChFEBC.
Peter was born and raised in Westport, Connecticut before moving across the country to Santa Clara, California to pursue his B.S. in Economics from Santa Clara University. While finishing his senior year, he joined the company as an intern where he was mentored by James and worked directly with him to help our clients. After graduating from SCU, he obtained his California Life Insurance License #0M45617 and is also licensed as an Investment Advisory Representative FINRA CRD# 6997508.
With his knowledge and experience, he specializes in giving clients advice and recommendations on insurance and securities to formulate a comprehensive financial plan as the company’s Senior Agent.
Kim was raised in Reno, Nevada and moved to the Bay Area in 2000 and loves living in this area with no plans on ever leaving. She holds degrees in Entrepreneurial Business as well as Philosophy and is a registered EMT. She is also a registered Notary.
She began working for the company in 2015 and she cannot imagine working for a better and more honest company. Kim looks forward to coming to work because she has the opportunity to help clients with their financial needs.
When not working, Kim enjoys preforming at local historical festivals, small theaters, and murder mysteries. She makes time in her busy schedule to research historical costuming and study skilled swordsmanship. If you want obscure historical facts, Kim is your gal!
Kim is always willing and available to help the clients and get them pointed in the right direction.
Director of First Impressions
Elizabeth is a Bay Area Native who ran away to the East Coast for a few years, but couldn’t stay away from home. She has worked in everything from a pet shop to construction, but loves working at J.R. Financial the best!
She’s determined to bring all her talents to bear in order to help the company grow. She is looking forward to helping clients with any of their needs and organizing everything!
In her spare time, she crafts cross stitch, geeky memes, and period clothing for the Society for Creative Anachronism. She also spoils her cats rotten with toys and treats.
Digital Marketing Specialist
Amy was born in Fremont, California and has lived in the East Bay her whole life. She has over 15 years experience as an administrative assistant, and over 18 years experience in broadcasting, theater, marketing and multimedia.
She’s excited to bring her skills and knowledge to the company, and looks forward to sharing information and awareness about tips, tools, updates and new opportunities with J.R. Financial to new and existing clients to help them reach their financial goals.
Outside of work, Amy takes part in other creative endeavors including working on commercials and films, and curating interactive shows and events including the successful Winchester Mystery House Candlelight Tours.
Your Free Financial Review: What to bring and what to expect
J.R. Financial offers a free introductory one on one financial review appointment with our Senior Agent, Peter Bradshaw.
But what happens during this appointment, and what should you bring along? The following contains information to help you prepare for your first appointment.
What to bring:
• Bank account values (statements not needed)
• Investment/brokerage/retirement account statements
• Life insurance and annuity statements
• Social security statements
• Mortgage/Debt Information (Amounts owed, APR, Minimum Payments, ECT.)
About the first meeting:
The purpose of our first meeting is discovery. We find out what clients have, what their future goals are, and how we can help them develop a comprehensive financial plan based on their wants and needs. Based on their plan we discuss strategies and advise them to help them achieve their goals and set up a financial plan for life. These discussions revolve around income planning, retirement planning, strategies to defer capital gains, and establishing a living trust. We also run market comparisons on their investments which just compares the risk and return of their portfolios to the overall market.
The purpose of that isn't to pitch anything to them, but to see if the way they're investing fits with their plan. That's as far as the first meeting will go, after we get all the necessary information and get to know the client and what they plan on doing then we move forward in future meetings, but the ultimate goal is to establish a financial plan and an income strategy that will last them their whole lives.
For more information, or to schedule your free one on one financial review, please contact our office.
We hope to see you soon!