Robert Mustafa began his financial planning and wealth management career in 2001. He was an advisor to U.S. Army soldiers and their families, helping to ensure that they could meet their retirement planning, estate planning, investment, and tax savings goals.
Serving in combat and coming under direct enemy fire taught Robert the importance of planning for expected—and unexpected—life events. He applies what he learned to support and guide his clients in pursuing short-term and long-term financial confidence.
As a financial advisor, Robert partners with his clients to create practical strategies so they can look forward to satisfying, financially confident futures. He also focuses on building generational wealth.
Robert excels in navigating the complexities of major life changes, such as the birth or adoption of a new family member, retirement, health issues, divorce, caregiving, special needs, and death. He also understands that a sudden windfall—for example, from an inheritance—can bring its own set of challenges. He has deep experience in identifying strategies that work toward clients goals, even when clients face a combination of these life events simultaneously.
Philosophy & Purpose: It’s About the People
When it comes to serving clients, Robert’s philosophy is built on one basic principle: It’s about the people. People don’t care what you know unless they know you care, whether it’s life in the military or life as a civilian. He often considers the Army’s seven core values—Loyalty, Duty, Respect, Selfless Service, Honor, Integrity, and Personal Courage—and he strives to demonstrate his caring and commitment to these values in every client interaction.
As a fiduciary, Robert is ethically bound to do what is in his clients’ best interests—always. To achieve that goal, he makes it a point to partner with other experienced professionals on his client’s financial planning team like CPAs, attorneys, and similar. He looks at each situation independently and suggests the best possible action to pursue the best possible outcome.
Robert’s purpose is to help clients navigate good times and bad times—to be a coach, an educator, and a supporter through difficult life events. His clients know him to be dependable and sincere, as well as an important ally in their pursuit of financial confidence.
Education, and Experience
Robert earned his undergraduate degree from San Diego State University and his Certified Financial Planner (CFP) designation from Pepperdine University’s Graziadio School of Business and Management. He holds Series 7, Series 66, and California life insurance licenses with LPL Financial.
He is also a graduate of the prestigious U.S. Army Command and General Staff College, and he continues to serve in the U.S. Army Reserve as a Battalion Commander with the current rank of Lieutenant Colonel. Robert has more than 23 years of service. He holds a variety of awards and decorations from his time in the Armed Forces, which includes deployment to Iraq from 2004 to 2005.
Robert participates in a number of pro bono programs and activities to increase financial literacy in his community. In his free time, he enjoys camping with his family and spending time with his wife and toddler son.
In 2021, Pence Wealth Management was recognized as one of Barron’s 2021 Top 100 Private Wealth Management Teams in the United States—an honor that is a source of immense pride. Contact Robert, who is based in Orange County, CA, to schedule an appointment and start planning for your future today.
Pence Wealth Management (“PWM”) is a sophisticated financial services practice within LPL Financial, LLC (“LPL Financial”) comprised of multiple financial professionals that provide a series of services including personal investment advisory, third party managed advisory and brokerage services. Pence Wealth Management, Inc. is an investment adviser registered with the State of California to provide financial planning services. The financial professionals affiliated with PWM are registered with and offer securities and investment advisory services through LPL Financial, member FINRA/SIPC and a registered investment adviser. As of 4/1/2021, the total assets serviced by PWM through LPL Financial consist of $1.7 billion in advisory assets and $300 million in brokerage assets. PWM and LPL Financial are separate entities.
Barron’s Top 100 Private Wealth Management Teams (2021) is based on assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.