Richard Loek, Rick, has coined the phrase “Recovering Software Engineer.” Rick designed and programmed software for many years before retiring from that industry. Rick’s passion is helping others with their financial puzzles. Rick has founded two firms to accomplish this, Calrima Financial & Insurance Agency and Onesta Wealth Management, LLC. Onesta is a registered investment advisor firm.
Calrima and Onesta is the exclusive provider or “The Five Key Elements of an Effective Financial Future.” With the five element program implemented people feel they have created their financial picture.
Rick is a member of Ed Slott’s Master Elite IRA Advisor group. To let you know who Ed Slott is… When the Wall Street Journal has questions about IRA’s 401k’s or pensions they call Ed. Ed is a CPA who has made it his mission to educate advisors about the challenges of retirement accounts. We are not talking about investing or how to lose (or make) money in your retirement accounts. We are talking about the complexity of the underlying structure and paperwork.
Rick is a bay area native the father of two grown children.
US Small Business Association: Office of the Inspector General 409 3rd St, SW Washington, DC 20416 (800) 827-5722 external website
Follow the steps below for checking on a business before you buy or contact the organizations listed on the left. Click here to learn more about how this industry is regulated.
1. Don’t pick a firm "out of a hat."
Finding a company on Google or Amazon is convenient. But it’s the equivalent of picking a name out of a hat. Better approach: Ask family, friends, and colleagues for referrals.
2. Follow the "paper trail."
If an online merchant fails to display contact info, proceed with caution.
3. Look for companies that follow "best practices."
Try to deal with companies that believe in doing business the right way. Narrow your search to those belonging to professional business associations that promote best-practice standards.
4. Tap the "wisdom of the crowd."
Understand that companies sometimes "game" review sites by giving incentives to their customers to write positive reviews or by having employees write them. Bottom line: treat reviews as an important "data point," but not the only measure by which to evaluate a company.
5. Inspect the work.
If you’re happy with what you’ve seen and heard, ask to see evidence of their work.
6. Put the firm under a microscope.
If you have any further doubts about the company—or if the purchase is very large—check with state consumer protection agencies or consider purchasing a background check on the business owners and/or principals.