Five Rings Financial offers education and long-term investment strategies
Over the last decade American’s have watched with bated breath as our economy has risen and fallen.
The sudden and earth-shaking consequences of the Great Recession destabilized inflated home prices and destroyed, practically overnight, the value of 401Ks and other retirement accounts. Now, nearly a decade on, most Americans are still hesitant to take risks with their money, looking instead to safer investments.
Knowing where to put your money can be a daunting task to the uneducated. That is where the folks at Five Rings Financial are here to help.
Five Rings Financial is a financial services firm that offers education, financial counseling and investment products for their clients. Five Rings is based out of Littleton but recently added a Grand County pesence. Executive Vice President Rudy Garcia and Consultant Rebecca Quesada represent Five Rings Financial here.
For approximately 33 years, Five Rings Financial has provided clients with financial education, with a focus on middle-Americans and not purely on high net worth individuals.
“Middle Americans will make great decisions if they have the tools to do that,” said Garcia. “We teach them very basic money principals. We show them how money works; deferred interest, compounding interest, tax favored strategies. Middle Americans are the best savers; they just don’t know what to do with their money.”
Garcia explained that while some employees of Five Rings Financial do financial planning work, most employees of the company do financial service work.
“It’s safe money, not ‘sexy’ money,” said Garcia. “But using smart principals we show people how most wealth is achieved in America. With simple things like five-dollars a day savings plans over long periods of time with interest rates.”
Quesada and Garcia said the investment strategies offered by Five Rings Financial are extremely safe.
“No one has ever lost a dollar with our strategies,” Garcia said. “Ever. What we do is very safe. It’s not get rich quick, it is get rich eventually.”
When potential clients contact Five Rings Financial they first go through Five Rings Education process. Part of that process includes going over a client’s finances and running their budgets through what Five Ring’s calls the funnel.
The funnel is a financial examination process wherein clients and Five Rings professionals go over household expenses, including insurance and other structured necessities, and find misallocated funds that can be used better elsewhere. Quesada and Garcia said that most of their clients end up discovering between $200 and $300 monthly they are misallocating.
After going through the education process Five Rings offers their clients unique investment products, retirement plans, savings/college plans for children and much more. In fact, preparing for her children’s future was how Consultant Rebecca Quesada joined Five Rings Financial.
“Rudy actually helped us with our health insurance and set up Million Dollar Baby programs for us,” Quesada said. “At first I was skeptical. I’m the skeptic in the family. But he invited us to a national training and I went and really liked everyone I met. It is amazing how much a little bit of money can help your future.”
Quesada first moved to Grand County in 1999. She and her husband Steve, a local firefighting captain, have three children. Garcia is a Colorado native who moved to Grand County in 2001. He has over 30 years experience doing financial service work.
If you are interested in talking with Five Rings Financial you can reach them by calling 970-509-0909 to set up a consultation appointment.
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Grand County’s real estate transactions Oct. 17-23 were worth more than $25.8 million combined.