Roy Gagaza

Roy Gagaza is the president and CEO of a retirement-focused financial firm, where he helps individuals and families prepare for life after work with clear, practical strategies. He draws on years of leadership experience to guide people through decisions about income, savings, and legacy planning in a steady, understandable way. The firm serves clients from offices in California and Hawaii, and he works closely with a team that listens carefully, explains options in plain language, and supports thoughtful retirement choices over time. Roy began his professional path in the United States Army, first serving several years in a reserve unit before moving to active duty as an Armor Officer. He became airborne-qualified and ranger-qualified, and led a tank platoon during primary operations in the Middle East, working side by side with soldiers in demanding conditions. He later commanded a cavalry unit in South Korea and served as an operations and training officer, preparing units from company to brigade level for deployment. Roy Gagaza completed multiple combat deployments during his service and received the Bronze Star for his role in key military operations, reflecting many years of steady commitment. In the middle of his career, he began preparing for a new chapter by returning to his business marketing background and exploring opportunities in financial education. While still on active duty, including a year-long deployment to Kuwait in 2004, he met with clients, led educational seminars, and earned respected designations in estate planning and financial consulting. Gagaza retired from the Army in 2008 and moved fully into the financial services field, carrying forward habits of discipline, planning, and responsibility. At his firm, he focuses on retirement income strategies, investment and wealth management, health care considerations, tax planning, and guidance for legacy and estate goals. His work has been recognized with Hall of Fame and Elite Advisor honors from national organizations, as well as awards for helping clients place significant levels of retirement-focused premiums with leading insurance partners. Roy views each client relationship as a long-term partnership built on trust, patient education, and clear expectations rather than quick decisions. He spends time learning about goals, concerns, and family responsibilities, then designs strategies to protect assets, build dependable income streams, and leave room for adjustments as life changes. His military experience shapes a calm, organized style as he helps people prepare for transitions, uncertainty, and unexpected events through practical planning and regular reviews. Roy Gagaza remains active in community and family life, reflecting the same commitment to service that shaped both his military years and his financial career. He works with local professionals, public servants, and community groups to offer educational workshops for pre-retirees and retirees who want help preserving assets, creating retirement income, and managing taxes. He and his spouse support charities that serve veterans, provide food assistance, care for animals, and protect outdoor spaces, while also valuing time with their children, grandchildren, travel, reading, golf, and time in and around the water.