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Rogelio Gonzalez, CRPC®, CSRIC™
Financial Planner
Prudential Advisors
Pacific Northwest Financial Group
1700 SE Mile Hill Drive, Suite 264
Port Orchard, WA 98366
Phone: 360-919-4271
Email: rogelio.gonzalez@prudential.com
Website: www.prudential.com/advisor/rogelio-gonzalez
May/June 2026
Building Wealth for Retirement
Saving for retirement through an employer's 401(k) plan or an individual retirement account (IRA) is only one part of a wealth accumulation strategy. A comprehensive wealth strategy involves a personalized, detailed review of what your financial future might look like. Having a wealth strategy can help you establish a path toward financial stability in retirement.
Your Financial Situation
The strategy you use to build wealth will partly depend on an evaluation of your current finances, including the assets you already possess. A review can help determine whether you're saving and investing enough each year based on your goals and identify any potential gaps.Your Goals
The amount of money you'll need in retirement will depend on your expenses and desired lifestyle. Consider where your income will come from and how much you can expect from each source. Then, estimate your expenses, including living costs, health care, taxes, travel, hobbies, and legacy plans. Knowing how much money you'll need for each expense will give you a clearer picture of what you'll need to earn from your investments. Use this as a guide to determine your asset allocation* and the level of risk you're willing to take with your investments.Strategies for Growth
The wealth strategies you use should be tailored to your goals and include both growth and protection measures. Start with a diversified portfolio that features a variety of asset classes, such as stocks, ETFs, mutual funds, and fixed-income investments. Also, consider an annuity to help provide a lifetime income stream for you or for you and your spouse.** Consider adding life insurance to replace a spouse's income if he or she passes away, a longterm care policy to protect you from rising care costs, and a health savings account if it's available to you.Your financial professional can help you develop and implement a wealth-accumulation strategy to prepare for retirement.
*Diversification and asset allocation cannot eliminate the risk of investment losses. Past performance won't guarantee future results. An investment in stocks or mutual funds can result in a loss of principal. Asset allocation may help reduce volatility in your portfolio.
**Distributions from annuities are taxed as ordinary income and, if taken prior to reaching age 59-1/2, may be subject to an additional 10% IRS tax penalty.
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Rogelio Gonzalez is a Financial Planner with and offers securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
"Prudential Advisors" is a brand name for the propriety retail sales channgel of The Prudential Insurance Company of America ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professionals are licensed insurance agents of Prudential.
Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors".
LPLE and LPL Financial are not affiliated with Prudential or Pacific Northwest Financial Group.
Prudential, Prudential Advisors, and the Pacific Northwest Financial Group are not registered as a broker-dealer or investment advisor.
Pacific Northwest Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.