Business Description

When we began our investment career with Morgan Stanley, we realized that it wasn’t what you earned but what you kept after taxes that determined whether you won the money game. Our career focus thus became the study of income, gift, and estate taxation, qualified plans law, and charitable planning tax law as it relates to investments.

We were trained by Morgan Stanley to be Financial Advisors. We went on to work for Citigroup, and later accepted a challenge to join UBS as Vice Presidents. Francisco graduated from California State University in Fullerton where he completed all the courses required to sit for the CFP. Now we lead an investment team that specializes in financial strategies for individuals who want to remove financial insecurities from their day-to-day life, those we focus in three areas, Retirement Planning, Tax Deferral, and Estate Planning.
Because we are LPL Financial wealth Advisors we are not limited to offering investments from only one investment firm, which allows us to custom tailor a portfolio that will meet your specific needs and objectives and not the needs of one investment company to sell one specific product or service.

General Information

Gender:

Male

CRD#:

4420477

Name of Broker/Dealer:

Francisco Esparza

Name of Custodial Firm:

LPL Financial

States Licensed in:

Texas
California

States Willing to do Business in:

All 50 states

Years of Experience in Financial Services:

Number of Years with Current Firm:

Work Experience:

Smith Barney
Morgan Stanely
CitiGroup
UBS
LPL

I work with the following types of clients:

Non-Profit Organizations, Businesses, Investment Clubs, Individual Investors

Foreign Languages Serviced:

English, Spanish

Education

Academic Background

Unuiversidad de Colima
California State University, Fullerton

Services

Investment Types:

Commodities, Insurance, Annuities, Mutual Funds, FOREX & Currency, Options & Futures, Alternative Investments, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Stocks, Bonds

Qualifications & Memberships

Securities Licenses:

Life Agent, Series 31, Series 7, Series 66

Insurance and Annuity Licenses:

Variable Annuity, Variable Life, Long Term Care, Life, Annuity

Financial Organization Memberships:

Financial Planning Association (FPA)

Firm Information

Number of Advisors in Office:

Up to 10 employees

I work with clients as part of a team:

Yes

Compliance

Registered Investment Advisor:

Yes

Registered Representative:

Yes

Investment Advisor Representative:

Yes

I am an acknowledged fiduciary:

Yes

Compliance Disclosures in Last 5 years:

I have a clean record

Criminal Disclosures in Last 5 years:

I have a clean record

Compensation & Fees

Minimum Portfolio Size for New Managed Accounts:

$250,000.00

Compensation Methods:

Based on Assets, Commissions, Hourly

Prepared By:

Francisco Esparza

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Will you be the only person working with me?

Q.	Have you ever been charged with any breaches?

What are your qualifications? What is your education background?

We were trained by Morgan Stanley to be Financial Planning Specialists for the State of California. We went on to work for Citigroup, and later accepted a challenge to join UBS as Vice Presidents. Soon after we ventured out on our own and open Crystal Cove Wealth Management under LPL Financial

What is your approach to financial planning?

When we began our investment career with Morgan Stanley in 2001, we realized that it wasn’t what you earned but what you kept after taxes that determined whether you won the money game. Our career focus thus became the study of income, gift, and estate taxation, qualified plans law, and charitable planning tax law as it relates to investments.

What services do you offer?

we focus in three areas, Retirement Planning, Tax Deferral, and Estate Planning.

Will you be the only person working with me?

Myself and my Partner Tony Kassaei along with our Service Manger, Emily Deyoung will be working with you on all your investment needs.

Have you ever been charged with any breaches?

I have never been charged nor has my company been charged with any breaches.