Solution for Retirement

Cy Roseman has functioned as a full service retirement planner since 1993, through five different Broker-Dealerships and, since 2018, as part of a Registered Investment Advisory firm, offering fee-based management services, for planning, and the use of fixed and indexed annuities, and occasionally advice about financial concerns

Cy is a Certified Financial Planner, holds a doctorate in Political Science and Economics, and is an Investment Advisor Representative.

Since 1995, Cy has offered numerous retireme planning dinner-seminars on the Monterey Peninsula, in Hawaii, and in San Diego. He assists investors age 50+ to preserve capital, increase their cash flow, generate earned income, and more profitably organize their investments. People who consult Cy often find that they may lower their tax bills, eliminate taxes on their social security income, increase their fixed monthly income, and obtain better protection for their financial future.

We specialize in "PLAIN ENGLISH" advice about retirement programs 403(b), IRA (traditional, rollover, beneficiary), RothIRA, SEP-IRA, and SIMPLE-IRA 401(k) profit sharing.
BridgeWest services are focused on important client goals like retirement planning, estate preservation, tax reduction, improved performance of investments, and increased client control over their finances. BridgeWest Financial and Insurance Services explores for our clients a full range of financial and insurance services, both fee based and commission based, based on clients needs and preferences.
From the first NO COST, NO OBLIGATION, initial consultation, we stress client involvement in clarifying goals, refining problems, reviewing alternatives, the choice of strategy and final selection among specific recommendations. We provide the professional and technical input, and focus client attention on critical decisions to be made.
We seek improved portfolio performance bottom line (after fees, charges and taxes) compared to current holdings or alternative investment options. We stress risk adjusted returns, tax efficient investment vehicles, and maintenance/expansion of family estate value (net worth) over the long haul.
We explore both fixed and variable products, indexed products, and group coverage where appropriate. We also offer brokerage services for stocks, bonds, annuities, mutual funds, REITs, ETFs, UITs, CDs, and Direct Participation Programs (real estate, equipment leasing, oil & gas drilling/exploration).
One of the BridgeWest specialty areas in estate preservation is Charitable Giving. We also review use of Wealth Replacement, Stretch IRAs, and Dynasty (Generation Skipping) Estate Preservation Strategies in advanced estate planning cases.

• Retirement Design &Financial Planning Preparation of Life Plans, with special emphasis on distribution/preservation of assets and lifetime cash flow.
• Estate Preservation and "Family Legacies" Program Design of Specific Action Plans for Multi Generational Wealth Enhancement.
• Tax Reduction Strategy &Implementation Targetting Immediate, Short Term &Long Term "Reduction/Elimination/Avoidance" of Multi Level Taxes.
• Investment Advisory Service & "Wealth Management" Portfolio Review, Management, & "Protection & Growth" Service.
• Review of Options" Analysis and Recommendations Identification/Evaluation of Investment Choices: Mutual Funds, ETFs, REITs, Fixed/Variable/Indexed Annuities, UITs, Stocks, Bonds, CDs, and DPPs.
• Executive Management Service: Insurance & Securities Brokerage Advice/Consultation for Preservation of Client Control over Insurance (life, health, disability, long term care, estate preservation, business continuity) and Investment choices, through Individualized Brokerage.