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Who we are

After 25 successful years in the financial and operational audit field, Robert Bubnovich, founder and principal of Rio Financial Advisors, passed the CERTIFIED FINANCIAL PLANNER™ exam and transitioned to the financial planning and investment advisory field. As of 7-19-05, Mr. Bubnovich completed all CFP board requirements and is now a CERTIFIED FINANCIAL PLANNER™ professional. His prior work experience includes high level positions at major corporations with over $25 Billion in sales. "The two processes, conducting an audit and preparing a financial plan, are identical" he was quoted as saying in a recent Morningstaradvisor.com article.

Mr. Bubnovich continues, "Besides, I've had first hand experience myself in doing many of the same financial activities that clients are dealing with. I've especially had a great deal of experience with real estate, such as buying residences, rental homes, property management, 1031 exchanges, and dealing with real estate matters in general"

Mr. Bubnovich's personal financial experiences include the following:

	Bought and/or sold over $5 million in California properties.
	Obtained home loans.
	1st trust deeds. 2nd trust deeds. No interest 2nd tds. Tax-free refinances.
	Managed home remodeling projects
	Pasadena - $150,000 remodel, acted as own general contractor. San Rafael - extensive kitchen, 2nd floor remodel/fix-up.
	Managed investment properties - Pasadena (2); Brentwood; Mission Viejo (3)
	Prepared lease/rental agreements. Screened tenants. Performed tenant credit checks. Advertised for new tenants. Evicted tenant. Won judgments in small claims court.
	Initiated and completed two 1031 exchanges (Starker delayed exchanges).
	Invested in a real estate limited partnership.
	Participated in 401Ks, selected funds and rolled-over to IRAs.
	Contributed to IRAs.
	Deductible. Non-deductible. Opened Roth and rollover accounts. Converted to Roth IRA.
	Invested and managed stock portfolios.
	Selected individual stocks. Purchased call and put LEAP options. Bought and sold calls. Exercised and sold employee stock options. Opened Discount Broker accounts.
	Schwab TD Ameritrade Vanguard
	Made estate planning arrangements.
	Executed a Will and Revocable Living Trust. Executed a Durable power of attorney - health and assets.
	Prepared personal tax returns.
	Itemized deductions - Schedule A. Prepared self-employment schedules - Schedule C. Calculated capital gain and losses - Schedule D. Declared passive income gains/losses - Schedule E.
	Researched and obtained insurance policies.
	Homeowners Auto Medical Dental Long-term care Disability

Mr. Bubnovich's credentials

	CERTIFIED FINANCIAL PLANNER™ professional
	B.S in Finance from Indiana University, Bloomington
	MBA degree in International Business from Roosevelt University, Chicago.
	Certified Internal Auditor (CIA).
	Completed the two year Personal Financial Planner Certificate program at UC-Irvine in September 2001.
	Passed the rigorous, two-day CFPTM exam in November 2001.
	FPA (Financial Planning Association) member, the largest member organization of professionals committed to championing the financial planning process.
	Quoted in 11-02 Forbes.com article "Moving On".

If you need objective advice from an experienced CFP® professional and are looking for answers to your investment and financial planning issues, call Mr. Bubnovich at 949-306-8448 to schedule a two-hour Dynamic Financial Planning Session (DFPS) meeting.

The existence of this website should not be construed in any direct or indirect manner as a solicitation for advisory business or securities business in any states beyond the states which Rio Financial Advisors maintains registration. Securities and investment advice are offered through Rio Financial Advisors at Irvine, CA 92612. Information associated with this website is believed to be accurate, however, Rio Financial Advisors makes no guarantee to this fact and Rio Financial Advisors has no control over the accuracy of websites found through the links within.