Business Details
Your Trusted Financial Partner in Santa Clara, CA
At J.R. Financial & Insurance Services, we are dedicated to empowering individuals to take control of their financial futures. With over two decades of experience in financial planning, our team specializes in retirement strategies, estate transfer planning, and customized investment advisory services. Our approach combines personalized guidance with industry-leading expertise to address the unique needs of clients across the United States. We hold multiple professional designations, including Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC), ensuring our clients receive informed, ethical advice. As a Registered Investment Adviser with the U.S. Securities and Exchange Commission, we prioritize transparency, compliance, and long-term client relationships.Our commitment to excellence is reflected in our tailored solutions for retirement income, social security optimization, and tax-efficient strategies. We serve a diverse clientele, from federal employees to professionals in healthcare, education, and the arts, while maintaining a strong focus on community engagement and financial literacy. Our teams extensive licensing in insurance, securities, and real estate enables us to provide comprehensive services that align with our clients goals. We are proud to operate under common ownership with Harper Investing, a trusted partner in delivering investment advisory solutions. Through continuous education and a client-first philosophy, we strive to be a reliable partner in navigating the complexities of financial planning.
Services
Retirement Planning
Investment Advisory
Insurance Solutions
Tax Services
Financial Consultation
Highlights and features
- We offer 20+ years of experience in retirement and financial planning.
- Our team holds elite industry certifications including CFP, CLU, and ChFC.
- We provide personalized strategies tailored to individual client needs.
- Our investment advisory services are SEC-registered and compliant.
- We specialize in complex cases including federal employee retirement plans.
Associations and certifications
- U.S. Securities and Exchange Commission
- Certified Financial Planner Board of Standards
- The American College of Financial Services (CLU, ChFC)
Services
Retirement Planning
Comprehensive retirement planning services focusing on income optimization, social security strategies, and estate transfer solutions. Our team specializes in FERS/CERS governmental retirement plans and 401(a) structures. We help clients nationwide achieve tax-efficient, sustainable retirement income through personalized roadmaps.
Investment Advisory
SEC-registered investment advisory services through Harper Investing, offering diversified portfolio strategies tailored to risk tolerance and financial goals. We provide ongoing monitoring, asset allocation, and performance reporting while maintaining strict compliance with regulatory standards for client protection and transparency.
Insurance Solutions
Custom insurance planning including life, health, and long-term care policies. Our licensed advisors evaluate individual needs to recommend coverage that complements overall financial plans, ensuring protection against unforeseen circumstances while integrating with retirement and estate strategies.
Tax Services
Professional tax preparation and optimization services led by Enrolled Agents with IRS representation authority. We focus on minimizing tax liabilities through strategic planning, deductions, and credits while ensuring compliance with federal and state regulations for individuals and small businesses.
Financial Consultation
Complimentary initial consultations to assess financial goals and develop customized action plans. Our advisors evaluate cash flow, debt management, and investment positions to create holistic strategies addressing short-term needs and long-term wealth accumulation for diverse professional backgrounds.
People
James Rukstalis
President
Certified Financial Planner with 20+ years of experience specializing in retirement strategies for federal employees and professionals. Holds CFP, CLU, ChFC, and CAS designations. Instrumental in pension reform for California BART employees and advises San Jose pension boards.
Peter Bradshaw
Senior Advisor
Certified Financial Planner licensed in insurance and securities. Specializes in comprehensive financial planning for clients, focusing on retirement income strategies and investment advisory services. Graduated from Santa Clara University with economics expertise.
Gage Campbell
Financial Advisor
Licensed financial advisor with expertise in retirement planning and investment strategies. Holds FINRA and insurance licenses. Graduated from University of Nevada, Reno with finance degree. Focuses on client education and outdoor activities in free time.
Raymond Wong
Senior Tax Professional
Enrolled Agent with 10+ years of tax preparation experience. Specializes in individual and small business tax strategies. Provides IRS representation services. Active in community church and enjoys gardening and tax education.
Andrew Christian
CMO and Vice President of Community Outreach
Marketing leader with educational background in financial literacy. Oversees community outreach initiatives and client education programs. Focuses on youth entrepreneurship and ethical financial advising. Enjoys local breweries and golf activities.
Questions
What financial services does J.R. Financial offer?
We provide retirement planning, investment advisory, insurance solutions, tax services, and personalized financial consultations tailored to individual needs.
Are your advisors certified professionals?
Yes, our team includes Certified Financial Planners (CFP), Chartered Life Underwriters (CLU), and Enrolled Agents with specialized industry certifications.
Do you work with out-of-state clients?
We serve clients nationwide, with particular expertise in California pension systems while providing remote advisory services across the United States.
How are investment advisory services structured?
Our investment services operate through Harper Investing, a SEC-registered adviser offering portfolio management, asset allocation, and performance reporting with transparent fee structures.
What makes your retirement planning unique?
We specialize in complex cases including federal employee pensions, social security optimization, and tax-efficient income strategies developed through 20+ years of industry experience.
