Emilio has been in financial services since 2002. He believes the holistic approach to financial planning is important in the complete understanding of how all the pieces of a plan are integrated. He graduated from San Jose State University with a B.S. in Business Management and International Business and also holds series 7 and 65 securities licenses as well as California Life and Health Insurance licenses. Emilio focuses on working with clients to identify their goals and objectives, time horizons, investment philosophies and propensity for risk. He strives to help build individuals, families and his community so they are stronger personally, professionally and financially. He educates clients in the areas of retirement and retirement income planning, 401k rollover options, estate planning, insurance protection and portfolio analysis.