Individual Retirement Plans Service
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
LPL
Financial backed
How We Help for Individual Retirement Plans Service?
I know the value of building relationships of mutual trust and respect. When I work with you, my goal is to empower you with the knowledge and tools to make well informed financial decisions.
I can help you through your challenges and want to be with you to celebrate your successes.
- Establishing IRA and Roth IRAs
- SEP IRA
- IRA Rollover solutions
- Setting up SOLO 401(k)/Profit sharing plans and Defined Benefit plans
- Annuities with lifetime Income
How We Work
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.
Discovery meeting
We sit down to understand your financial situation, retirement goals, family priorities, and timeline — with no obligation.
Risk assessment
We evaluate your risk tolerance, income, expenses, and existing assets to determine the right retirement strategy for you.
Plan design
We craft a personalized retirement plan — selecting the right IRA type, contribution strategy, and investment allocation for your goals.
Implementation
We set up your accounts, coordinate any rollovers, and put your retirement plan into action — handling the details for you.
Ongoing review
We meet regularly to monitor performance, adjust your plan as life changes, and keep your retirement on track year after year.
Meet Your Wealth Advisors
Balaji Rao MBA, CPFA
Director/Wealth Advisor
Raveena Patel
Client Relationship Manager
Why families in Irvine trust BNG Wealth
We provide comprehensive wealth management solutions designed to help you achieve financial confidence at every stage of life.
Independent, fiduciary-aligned advice
Associated with LPL Financial — your goals come first.
Holistic financial view
Retirement is coordinated with insurance, taxes, and estate planning.
Local expertise in Orange County
Deep knowledge of the financial landscape for Irvine-area clients.
Ready To Take Control of Your Retirement Savings?
No-obligation consultation — Irvine, Orange County & California.
Frequently Asked Questions
01 Am I too young / too old to start?
Every age has a strategy. We tailor plans for clients in their 20s through pre-retirement 60s.
02 What's the difference between a Traditional and Roth IRA?
Tax timing is the key difference — we’ll help you decide based on your current and projected income.
03 How much can I contribute in 2025?
Up to $7,000/year ($8,000 if you’re 50+) across all IRA accounts combined.
04 Can I roll over my old 401(k) into an IRA?
Yes — and we help manage that process to avoid penalties and preserve your growth.