Broker Check
Roy Rasera
Roy Rasera
Pacific Advisors, CA Insurance License #0K12914 Financial Advisor
https://www.pacificadvisors.com/roy-rasera (503) 221-1226

Roy Rasera has been advising and coaching successful Couples, Professionals, and Business Owners with incomes in the top 5% of the country (~$200k+) on their macro-economic financial strategies for 20+ years. Roy holds 3 degrees from MIT and several financial designations. He has been recognized by Forbes/Shook Research as a top 5 Financial Security Professional* in Oregon since 2021, and throughout the last decade as a 5-Star Financial Professional* in Seattle and Portland Monthly Magazines. He is a member of Mensa, Past President of his Rotary Club, and Past President of the MIT Alumni Club of Oregon & SW Washington.

His unique blend of technical analysis, financial orchestration, and human connection enables his clients across the nation to enjoy and build wealth aligned with their values and ambitions. Roy focuses on client education and continued evaluation to co-design, optimize, and implement effective wealth building and protection strategies. His goal is to help his clients live a good life for their whole life.  Since he meets with clients via internet, he is an adviser that can travel with you as your life and career paths change.

He lives with his wife Donna and their 2 children in Oregon, sings with the 4-man Portland vocal band “Strangers in Harmony/ThePillagePeople”, curates a YouTube gaming channel with his sons, and plays viola in a community orchestra.

*This award is not issued or endorsed by Guardian or its subsidiaries.


Tips to protect your LLC

Money Read Time: 2 min

Establishing your business as a Limited Liability Company, or LLC, is a powerful way to segregate your personal assets from those of the business.

Unfortunately, those protections are not limitless. If you personally co-sign for or guarantee a business loan, you could be liable for that amount in a lawsuit, or if the business fails.

Similarly, if you pledge personally-owned assets – say, your home or stock portfolio – for a business loan, you could be on the hook personally.

But there’s a third threat to LLC protection. It’s called “piercing the corporate veil.” Here, a creditor attempts to show that the LLC is a shell created only to provide liability protection for its members, or the LLC was practically inseparable from or an alter ego of its owners.

Courts will be more likely to pierce the corporate veil if:

  • Formalities, such as holding annual meetings and keeping minutes, were not followed.
  • Certain members exerted too much control over the LLC.
  • Members commingled personal funds with the LLC’s funds or used personal funds to satisfy the LLC’s obligations.
  • The LLC was not sufficiently capitalized when it was formed.

Maintaining a wall around your personal assets

  1. Adopt and follow appropriate formalities. Hold annual meetings of members. Keep accurate, detailed “minutes” of important decisions. And be sure to follow the LLC’s Operating Agreement.
  2. Never commingle assets. Keep personal and business separate, always.
  3. Never divert LLC assets for personal use.
  4. Never tell a creditor you will personally guarantee payment.
  5. Make sure everyone knows they are dealing with a corporation, not an individual.

Disclosures:

Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

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2023-163887 Exp. 10/25 *pre-approved content*

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