Robby Welles|Founder & President
Porter Ranch, California 818-797-9544 Schedule Your Complimentary Review
WellesConsulting

California Retirement Specialist

Protecting the retirement you’ve worked a lifetime to build.

Helping Californians protect what they’ve saved, grow with confidence, and create dependable retirement income.

Schedule Your Complimentary Review
20+ Years
Helping Californians prepare for retirement.
Specializing In
CalSTRS, 403(b), 401(k), IRAs and rollover strategies.
Independent Guidance
Objective guidance focused on your best interests.
Thousands of Clients
Trusted relationships. Lasting impact.

What we do

Retirement savings, protected and ready for what comes next.

Our clients want protection and growth, and that's what we specialize in. Protecting your retirement, growing your future.

401(k) and IRA rollovers

For people leaving a company after years of contributions, or already retired and holding a balance that hasn't been looked at since.

  • 401(k) rollovers from a former employer
  • IRA transfers and contract exchanges
  • Consolidating scattered retirement accounts
  • Business owners with no company plan
Explore rollovers →

403(b) and 457(b) planning

For public school and public agency employees coordinating a CalSTRS or CalPERS pension with what they've saved on their own.

  • 403(b) and 457(b) accounts
  • District-approved vendor paperwork
  • Salary reduction agreements
  • Pension gap planning
Explore educator planning →
How index-linked interest crediting works A gold staircase shows an illustrative crediting pattern that steps up at the end of years when the index rises and stays flat through years the index declines, never stepping down. A red jagged line shows illustrative index movement falling below the starting level in the middle years before recovering. Axes show ten contract years, with a dashed reference line at the starting level. Illustrative only, with no dollar figures, no dates and no named index. HOW INDEX-LINKED INTEREST CREDITING WORKS Illustrative crediting pattern Illustrative index movement Starting level When the S&P 500 declines, your accumulation value remains the same. When the S&P 500 increases, your Accumulation Value may increase. 1 2 3 4 5 6 7 8 9 10 CONTRACT YEARS Gold markers show each annual reset. Illustrative only: a simplified example of annual index-linked interest crediting. Not a projection of performance or a representation of any specific annuity contract, index, or crediting rate. Actual results vary by contract terms.
A fixed index annuity does not directly invest in a market index. Instead, the index is used to determine interest credits according to the terms of the contract.

Our approach

Safety of principal & growth.

Savings that keep growing, without putting the years behind them at risk.

  1. When the stock market goes up you go up with it.
  2. When the stock market goes down, you're protected.
  3. Your gains are locked in on an annual basis.
  4. Interest can compound and credit each year.
It's not just how much money you make, it's how much you get to keep!

Testimonials

In their words.

Robby, thank you for making some very complicated choices easy to understand. I am very pleased with my new plan … you are a great teacher and deserve an A+ for knowledge and service!

Victoria VelasquezPrincipal of Hodge Elementary · Azusa, CA

My wife and I have had several financial advisors throughout the years, all of whom promised the world and never delivered. Not only did Robby come through for us, he explained finances better than anyone out there and he always keeps in touch. I highly recommend Robby to everyone!

Sam PerdomoAssistant Principal of Gladstone High School · Covina, CA

Robby is amazing at providing an overall understanding of how retirement works. I was able to make an informed decision about where to put my money and really benefited from his expertise. My staff has welcomed him with open arms and they really enjoy working with him as well.

Frances WeissenbergerPrincipal of the Year 2013 · Pasadena Unified School District

I have known Robby personally and professionally for over 25 years. As a successful chiropractor, there is nobody that I trust more than him to guide me through my financial future!

Dr. Dan ZuckerChiropractor · Sherman Oaks, CA

Individual experiences. Results vary and are not guaranteed. No compensation was provided.

Getting started

Let’s Make Sure We’re a Good Fit

A few quick questions about what you’ve saved and where you’re headed, and we’ll point you to the right next step.

Schedule Your Complimentary Review

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