Protect Your Retirement. Preserve Your Wealth.

Wealth preservation is a strategy focused on helping protect the assets you've already accumulated from major risks — market downturns, unnecessary taxes, inflation, and unexpected life events. Rather than chasing aggressive returns, it emphasizes risk management, diversification, and income planning so your savings can support you through retirement.

It depends on your situation. Rolling an old 401(k) into an IRA can give you broader options, potentially lower fees, and simpler consolidated management. In some cases, keeping funds in your employer plan makes sense. We'll review your specific plan, fees, and goals during a complimentary consultation and walk you through the trade-offs.

Start with a clear picture: your projected expenses, expected income sources (Social Security, pensions, savings), and any income gaps. From there, a personalized plan can address tax efficiency, market risk, healthcare costs, and legacy goals. The earlier you build the plan, the more options you'll have.

No. Your initial Retirement Strategy Session with Childress Financial Consultants is complimentary, with no upfront fees and no obligation. We believe you should be able to meet us, understand our approach, and decide if we're the right fit before any commitment.

Yes. Kwesi Childress is a licensed California life and annuity agent (CDI License #0H86931) and has been serving Southern California families for over 15 years. He is a BBB-recognized business owner and an active member of the Menifee Valley Chamber of Commerce.

Childress Financial Consultants has served Southern California for over 15 years, working with pre-retirees, retirees, professionals, executives, and business owners from Menifee and Temecula to Orange County and North San Diego County.

That's the core of our safe-money approach. We use modern, high-quality annuity and cash-value strategies designed to provide market-linked growth without direct market loss, plus guaranteed income options you cannot outlive. We'll explain exactly how each strategy works — and its trade-offs — before you decide anything.

Yes. Filing at the wrong time can cost retirees tens of thousands of dollars in lifetime benefits. We review your earnings history, timing options, spousal benefits, and tax picture to identify a claiming strategy that strengthens your overall retirement income plan.

Yes. We guide business owners through CalSavers compliance and offer supplemental retirement and benefit solutions for small and mid-sized companies, along with exit and succession planning for the owner personally.

Both. You can meet Kwesi in person locally in the Menifee Valley area, or by phone and video if that's more convenient. Most clients start with a short phone call before scheduling a full strategy session.

We work with individuals and families across Southern California — including Menifee, Temecula, Murrieta, Winchester, Riverside, Corona, Orange County, and North San Diego County. Our clients are typically pre-retirees, retirees, homeowners, business owners, and families who want personalized guidance on protecting and growing their retirement savings.