Ranch Point Capital Wealth and Insurance Solutions
Robert Paul Caraveo
Founder & Wealth Management Advisor|CFP®, RICP®, ChFC®, CLU®, CLTC®
Helping People Build Their Ideal Future
Personal
Originally from Dana Point, CA – Robert moved to San Diego to attend the University of San Diego where he majored in Business Administration, with a Minor in History. After meeting his soon to be wife, Katie, Robert decided to stay in San Diego and start his Financial Planning Practice.
Robert and Katie have been married since 2016. They have two beautiful children, Jack - 4 and Isla - 1
In his free time, Robert enjoys golfing, travelling, and relaxing with his family on the weekends.
Robert has been with Northwestern Mutual since 2009. Robert holds the CERTIFIED FINANCIAL PLANNER™ certification as well as the Chartered Life Underwriter™, Chartered Financial Consultant™, and Certified in Long Term Care™ designation as well as the Series 6,7,26,63 and 65. Robert specializes in the design and implementation of financial strategies that guide people to their financial objectives.
Professional
I grew up in a family of small business owners. From an early age I knew that I wanted to work for myself and help others. Being able to work 1 on 1 with clients, while having a direct impact on their future's potential, a career as a Financial Planner was a perfect fit for me. I didn't know it when I started, but this was the ideal world for me and my interests.
I joined Northwestern Mutual in 2009 as a Financial Representative Intern, and then converted to a full-time Financial Advisor in 2010. Over the past 15 years, I have narrowed my focus to help Executives at Publicly Traded Companies, and Pre-Retirees build their financial plans.
With Executives, I help them create a plan to divest and monetize their company share's in a way that aligns with their goals.
With Pre-Retirees, we help them with a Distribution Strategy so they can spend their nest egg as effectively as possible. Our clients have worked hard to accumulate their savings and we help them access it to live their best life in retirement.
Registrations
- Series 6 & 63 - Mutual Funds, Variable Annuities, Insurance Premiums
- Series 7 - All Security Products
- Series 65 - Investment Advisor
- Series 26 - Manage Sales Activities for Investment Companies and Annuities.
Certifications and Designations
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CFP® - CERTIFIED FINANCIAL PLANNER™ certification indicates that the representative has in-depth theoretical and practical knowledge of personal financial planning, tax planning, employee benefits and retirement planning, estate planning, investment management, and insurance and risk management.
- RICP®- Retirement Income Certified Professional® designees have expertise to best support people planning for retirement. They are taught how to create and execute retirement strategies from the ground up, as well as evaluate risks associated with aging. The curriculum expands on tools for estate and legacy planning in addition to strategies for claiming Social Security.
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CLU® - Chartered Life Underwriter® designees have expertise in a broad array of personal risk management and life insurance planning issues for individuals, business owners and professional clients. Their training includes an emphasis on ethics, professionalism and a holistic and comprehensive approach to addressing insurance planning needs.
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ChFC® - Chartered Financial Consultant®- The ChFC® designation has been a mark of excellence for financial planners for almost thirty years and currently requires more courses than any other financial planning credential. The curriculum covers extensive education and application training in all aspects of financial planning, income taxation, investments, and estate and retirement planning.
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CLTC- Certified in Long-Term Care - CLTC graduates have completed a rigorous multidisciplinary course that focuses on the profession of long-term care planning.
Lending a hand in my community.
As part of Northwestern Mutual, I'm proud to help accelerate the search for better childhood cancer treatments while supporting families undergoing treatment, and survivors from late effects. Here are some of the organizations we partner with:
Alex's Lemonade Stand Foundation for Childhood Cancer (ALSF)
ALSF funds cancer research, raises awareness, and supports the families of children with cancer. Since 2012, Northwestern Mutual, its employees, and financial professionals like me have donated more than $20 million to support ALSF and fund over 400,000 research hours.
Beads of Courage
Beads of Courage is an art-in-medicine program that helps kids with cancer tell their unique treatment story through colorful beads that are symbols of their courage.
Rwandan Orphans Project
The Rwandan Orphans Project provides housing, education, food, healthcare and activities to about 100 orphans and street children at our Imizi Children's Center in eastern Rwanda. Mission: To help provide shelter, food, water, education and health care to homeless orphans of Rwanda. In pursuit of this goal, we partner with Rwandan citizens, professionals and officials. We follow their guidance and experience in fostering a nurturing, stable, healthy, self-sufficient environment for the maximum benefit of the child, community and country.
Here are my areas of expertise
Financial Planning
Insurance Protection Strategies
Life Insurance Strategies
Retirement Planning & Income Strategies
Education Planning & Funding
Disability Planning
Multigenerational Planning
Estate Planning
How Northwestern Mutual helps you live the life you want.
When people feel better about their money, good things happen—they become more confident and feel more secure. For more than 160 years, Northwestern Mutual has helped people achieve the financial flexibility they need to live more and worry less.
Being a mutual company means Northwestern Mutual reports to its clients, not Wall Street. They don't believe in chasing fads or taking undue risk for short-term gains. Instead, they take a long-term approach—both in the way we help people plan to reach their goals, and in the way they do business. This has served their clients (and mine) well through all kinds of economic ups and downs, including wars, recessions, even the recent pandemic.
It's why I'm happy to be part of a company that's in it for the long-haul and prioritizes clients over profit.
