A clearer strategy for the future you are building.
Joseph Di Giulio helps individuals, families, and small business owners coordinate retirement income, long-term accumulation, tax-aware planning, life insurance protection, and legacy goals.
Licensed Life & Health Insurance Agent · Investment Adviser Representative
Newport Beach · Big Bear Lake · In-person and virtual meetings by appointment
Professional guidance for the decisions that matter most.
The planning process begins with understanding your financial position, priorities, time horizon, and concerns. From there, we evaluate strategies and help you make informed decisions with a clear view of the tradeoffs.
Retirement Planning
Coordinate retirement income, long-term accumulation, investment risk, tax considerations, healthcare costs, and the legacy you want to leave.
Explore retirement planning → 02Life Insurance Protection
Evaluate term and permanent life insurance based on the people, income, business interests, and long-term goals you want to protect.
Explore life insurance options → 03Business & Family Planning
Plan around business ownership, key people, succession, employee benefits, personal wealth, and opportunities you want to create for your children.
View business and family planning →Four areas that should work together.
Retirement planning is not a single product or account. It is an ongoing process of coordinating today’s accumulation strategy with tomorrow’s income, taxes, and estate goals.
Income Planning
Understand where your retirement income may come from, how dependable it is, and how to help reduce the risk of running out of money.
View income planning → 02Long-Term Accumulation
Build an investment and savings strategy aligned with your timeline, risk tolerance, liquidity needs, and long-term growth objectives.
View accumulation planning → 03Tax Mitigation
Evaluate tax-diversification, withdrawal sequencing, Roth conversion considerations, and other planning opportunities with your tax professional.
View tax planning considerations → 04Estate Planning Coordination
Connect beneficiaries, insurance, account ownership, liquidity, and legacy goals with the legal documents prepared by your estate-planning attorney.
View estate coordination →A personal relationship supported by professional planning.
Joseph works with individuals, families, and small business owners who want a clearer understanding of their finances and a thoughtful strategy for the future.
He lives in Newport Beach and has a second home in Big Bear Lake. Joseph and his wife, Gianna, were married in March 2026 and are excited about the future they are building together, including their future family.
Before entering financial services, Joseph played Division I tennis at UCLA. The preparation, patience, and consistency he learned through sports continue to shape the steady way he serves clients today.
- Licensed Life & Health Insurance Agent
- Investment Adviser Representative
- Nearly a decade of financial-services experience
- Available for in-person and virtual conversations by appointment
Start with your goals, not a product.
Understand
Clarify your goals, concerns, current accounts, family responsibilities, business interests, and the decisions in front of you.
Evaluate
Review the available strategies, explain the tradeoffs, and identify the approaches that may fit your priorities and circumstances.
Implement & Review
Put agreed-upon steps into place and revisit the strategy as markets, laws, your family, and your goals change.
Let’s discuss what you are working toward.
A first conversation is an opportunity to organize your questions, understand your options, and determine whether working together makes sense.
Based in Newport Beach. Serving clients in person and virtually where properly licensed and registered.