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Roy Gagaza

Founder at Journey Wealth Management, LLC

About Me

Roy Gagaza entered the industry after retiring from serving as an officer in the military for more than 20 years. Now, he assists clients in working toward their retirement dreams by developing well-thought-out financial strategies. Roy’s professional goal is to help others receive the financial resources they need and the sound guidance they deserve. He respects his clients’ wishes and genuinely cares about helping them pursue their goals, all while striving to build and maintain long-lasting relationships with them and their families.

Throughout his career, Roy has worked closely with the highway patrol, local school districts, CPAs, and several Chambers of Commerce, as well as numerous individuals. His seminars continue to reach hundreds of pre-retirees and retirees in need of financial guidance to help preserve their assets, create retirement income strategies, and use tax-efficient strategies to potentially reduce their taxes. Roy graduated with a bachelor’s degree in business marketing from San Jose State University. He is a Financial Professional, CEP and RFC, and holds insurance licenses in Hawaii (458231), California (0L87925). Roy is married to Patricia. They have two daughters, Kyrie and Mackenzie, and one son, Grant. In his free time, he enjoys spending time in the water, playing golf, traveling, and reading.

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Portfolio

Roy Gagaza Portfolio

Recent News

retirement portfolio
September 3, 2025

Why Rebalancing Your Retirement Portfolio Is Crucial in a Volatile Market

In times of market volatility, maintaining a balanced retirement portfolio becomes even more critical. Stock market fluctuations can cause your asset allocation to shift, potentially putting your retirement savings at risk. To ensure that your portfolio continues to align with your long-term financial goals, it’s essential to rebalance your investments regularly. In this article, we’ll […]

Social Security cuts
July 31, 2025

How to Plan for Future Social Security Cuts and Safeguard Your Retirement

Social Security is a cornerstone of retirement planning for millions of Americans. However, forecasts suggest that future Social Security cuts could become a reality if legislative changes aren’t made. The Social Security Administration (SSA) has repeatedly warned that the mid-2030s could deplete its trust funds. While that doesn’t mean the program will disappear, it may […]

tax-efficient retirement withdrawal
June 2, 2025

Tax-Efficient Retirement Withdrawal Blueprint

Building a larger, longer-lasting nest egg starts with one guiding principle: tax-efficient retirement withdrawal. While diligent saving and savvy investing get you to retirement’s doorstep, the order and cadence in which you tap those savings determine how far they carry you. Taxes are a retiree’s largest controllable expense, and every dollar you legally avoid sending […]

Retirement
May 7, 2025

How to Afford Long-Term Travel in Retirement Without Running Out of Money

For many retirees, one of the most exciting aspects of retirement is the opportunity to travel. Long-term travel offers the chance to explore new destinations, immerse yourself in different cultures, and enjoy a slower pace of life. However, funding this lifestyle can seem daunting, especially if you live on a fixed income. Proper planning and […]

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