10 Step Client Process

10 Step Client Process

10 Step Client Process
10 Step Client Process

First-meeting: (Steps 1 – 2)

Step 1: Getting to Know You

I will ask you some questions that will direct my efforts to the specific areas where you want solutions.

Step 2: Describe My Unique Approach

Share what I do and what makes me and my team unique. You can learn about your current financial situation and what you want to happen with your financial future. This step lays the foundation for my core financial philosophies that I will share throughout the process. At the end of this step, we will identify roadblocks standing in the way of working together.

Second-meeting: (Steps 3 – 5)

Step 3: Provide Financial Questionnaire

Once we have both decided to move forward, the next step is acquiring your financial information; using our Confidential Questionnaire as an effective tool to capture your information needed to engage in a comprehensive financial discussion.

Step 4: Discuss Compensation

Explain how I get paid.

Step 5: Discuss Future Introductions

Referrals and introductions.

Third-meeting: (Steps 6 – 10)

Step 6: Review Financial Questionnaire

We review your financial questionnaire, statements, and tax returns; It will help me understand what you have, why you have it, and what you want to have in the future.

Step 7: Find Inefficient Strategies

This is where I find the money and show you how you can reach your goals without having to cut into your lifestyle budget.

Step 8: Discuss Alternatives

Once you understand your financial inefficiencies and the long-term ramifications of your current savings strategies, you will want to stop the losses and likely rethink some of your savings and protection strategies. Step 8 allows for the discovery of your ideas on what you would like to do differently. This might be a short discussion, or it might lead back to step 7 to further education.

Step 9: Create the Plan

Introduction of new products, suggest reallocations, and ensure all your protection needs are met in the overall context of your financial situation.

Step 10: Take Action

We execute the strategy and hold each other accountable for the success of your financial plan.




Free up your money, to start

saving for your future needs of

retirement, college, and more




It's not how much money you've accumulated rather it is about how

much income you have to spend




Invest your safe and liquid capital like the banks and achieve continuous compounding on money spent



Unknown yet proven methods to help turn profit into tax-advantaged cash flow and generate wealth outside your business



By taking the equity out of the home and putting that money to work for

you today, you are forming the

habit of saving



Position your assets to save money

while preserving your eligibility to

qualify for college financial


Why RJ Gustilo?

Do you know how banks make billions by safely investing our cash deposits while simultaneously lending them out to get multiple bites off the same apple?

I educate clients on how big banks themselves do this and help them to bring this big institutional thinking down to everday people like you and me.

This is a very powerful strategy that allows you to:

Reduce or eliminate all consumer debt

Plan a retirement that benefits you and not the IRS

Stop losing money in this volatile Stock Market

Have complete safety and guarantees of your principal

Increase the yield on the money you have in the bank by 40% or more by earning interest on the money you spend

Retire as much as 5 to 7 years earlier than they would have

Best Support

We are available 24/7. You can chat with us or make a phone call to discuss your issue.

Professional Agents

Our staff combined experts in all classes of insurance you can afford today.

The Best in North America

According to the professional analytic center, we are the number one company in this region.









Our Approach

Increase Cash Flow

If you can increase your cash flow, you have changed your financial life.

Control Debt

By controlling your debt you are on your way to creating real wealth

Prepare for Emergencies

If you have an emergency fund, life is a lot less stressful during financially tough times.

Properly Protect Your Assets

Wealthy people realize it's essential to protect their assets. You can as well.

Create Long – Term Wealth Accumulation

Everybody wants to know how to accumulate wealth. You can know beyond a shadow of a doubt how to accumulate wealth with minimal risk.

Estate Preservation

The final piece of the puzzle. You won't have to worry if your estate is legally protected once you realize how easy it is to legally preserve what you've worked so hard to earn.

What people say about us.

Here are comments from our beloved clients

I am a small farmer, with my ranch located in the Southern Idaho and providing me with all my earnings. That’s why I signed up for insurance – to back up this humble pie of mine!


My son lost his left arm. Thanks to the health insurance service provided by this company, he got a fully-featured bionic limb. Thank you very much!


2 Codoniz, Rancho Santa Margarita, CA 92688, USA

(949) 799-3461

Phone Number

2 Codoniz

Rancho Santa Margarita CA 92688

E-mail address

RJ Gustilo Financial Services

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