Our team
Our Team
Rich Arzaga, CFP®
CA insurance license 0D92796
Rich Arzaga is a nationally recognized leader, speaker, and CERTIFIED FINANCIAL PLANNER™. His areas of specialization include wealth management, investing, real estate, and business exit planning and his strategies have been featured in numerous prestigious publications. Rich is an instructor at the U.C. Berkeley Extension where he was recognized by the Financial Planning Program as the 2008 Instructor of the Year.
Prior to joining the financial services industry and specializing in personal financial planning, Rich served in corporate senior-level positions for 18 years for a cross section of entrepreneurial, high-growth, and Fortune 500 companies. His role as Executive Vice President of a technology startup significantly contributed to the business being sold for $326 million.
Rich’s professional credentials include licensing as an agent for life, disability, and long term care insurances, and financial planning. Rich also holds a real estate broker’s license.
Rich’s education includes a BA in advertising from San Jose State University, and Graduate Studies at Northwestern University, J.L. Kellogg Graduate School of Management. He also graduated with distinction from the Personal Financial Planning Program at U.C. Berkeley.
Rich currently lives in the East Bay area with his wife, two daughters, and three dogs.
Dave Winkler
CA insurance license 0G10586
Dave Winkler is a Wealth Planner with Cornerstone, recognized by WORTH magazine in 2008 as being one of the Top 250 Wealth Planning firms in the country. This distinction is based on the firm’s approach to client service, design and implementation of advanced planning strategies, and on leadership contributions to the industry. Dave is also an Honored Adjunct-Professor in the U.C. Berkeley Personal Financial Planning (PFP) program.
Prior to concentrating on personal financial planning, Dave served more than 15 years as Chief Financial Officer for several high-growth technology companies in the East Bay, including one that he took through an initial public offering (IPO), and another where he orchestrated a series of acquisitions for the business. Dave spent his first career sharpening and applying his trade as a corporate financial executive, and utilizes these same principals today to serve as a Personal CFO to Cornerstone clients. His work includes advising clients on planning for financial independence, retirement income, investing, risk management, tax preservation, estate and wealth preservation.
Dave’s professional credentials include Investment Adviser Representative registered through Cornerstone Wealth Management, Inc. and LPL Financial LLC, General Securities Registered, and a California Life Insurance License.
Dave graduated with Distinction from the PFP Program at U.C. Berkeley, earned his BS in Engineering from the University of Notre Dame, and completed advanced studies in accounting at California State Northridge. He was also honored by the faculty of the PFP Program at U.C. Berkeley as its first ever Student of the Year in 2008. The honor was based on academic excellence, professional teamwork and collaboration, and likelihood of leadership contribution in the industry.
Dave resides in San Ramon, California with his wife, Joanne. They have three successful children.
Michelle Chen
CA insurance license 0M15227
Prior to concentrating on personal financial planning, Dave served more than 15 years as Chief Financial Officer for several high-growth technology companies in the East Bay, including one that he took through an initial public offering (IPO), and another where he orchestrated a series of acquisitions for the business. Dave spent his first career sharpening and applying his trade as a corporate financial executive, and utilizes these same principals today to serve as a Personal CFO to Cornerstone clients. His work includes advising clients on planning for financial independence, retirement income, investing, risk management, tax preservation, estate and wealth preservation.
Dave’s professional credentials include Investment Adviser Representative registered through Cornerstone Wealth Management, Inc. and LPL Financial LLC, General Securities Registered, and a California Life Insurance License.
Dave graduated with Distinction from the PFP Program at U.C. Berkeley, earned his BS in Engineering from the University of Notre Dame, and completed advanced studies in accounting at California State Northridge. He was also honored by the faculty of the PFP Program at U.C. Berkeley as its first ever Student of the Year in 2008. The honor was based on academic excellence, professional teamwork and collaboration, and likelihood of leadership contribution in the industry.
Dave resides in San Ramon, California with his wife, Joanne. They have three successful children.
Let's Talk.
Looking for Financial Confidence in Retirement?
Good Things Come to Those Who Click!
Financial Guidance
Are You In The Middle of a Life Transition?
In Search of Financial Guidance for Life Transitions?
Contact us for your complimentary consultation today, and take control of your financial future in retirement.
