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Jose Manuel Soto

Certified Financial Planner - I help people maximize retirement income

No Current Employment Listed



Contact Me



Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Property & Casualty Insurance
    • -Business Insurance
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

There is no client type data to display at this time.



No timeline events available.
Employer Years Dates
Citigroup 2 years, 5 months May 2017 - Present
Ameriprise Financial Services, Inc. 2 years, 1 month Apr 2015 - May 2017
Soto Insurance 3 years, 3 months Jan 2012 - Apr 2015
State Farm Insurance 1 year, 11 months Jul 2010 - Jun 2012
State Farm VP Management Corp. 2 years, 5 months Jan 2010 - Jun 2012
State Farm Insurance 5 months Jan 2010 - Jun 2010
State Farm VP Management Corp 3 months Oct 2009 - Jan 2010
State Farm Insurance 3 months Oct 2009 - Jan 2010
Tiger Direct 1 year, 4 months May 2008 - Sep 2009

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.

Articles and Answers

Insights by Jose Soto

How student loans impact your credit
Published 2016-12-05 19:17:21
Understanding long-term care insurance
Published 2016-12-05 19:16:08
Other Investments
Published 2016-12-05 19:12:52
The fundamentals of disability insurance
Published 2016-12-05 19:12:11
Understanding IRAs
Published 2016-12-05 19:09:40
Understanding risk
Published 2016-12-05 19:08:11
Asset Allocation
Published 2016-12-05 19:05:07
Understanding investment terms and concepts
Published 2016-12-05 18:55:21
Life insurance at various life stages
Published 2016-12-05 18:53:29
Six keys to successful investing
Published 2016-12-05 18:49:29
Investing for major financial goals
Published 2016-12-05 18:47:43
Teaching your child about money
Published 2016-12-05 18:45:27
And baby makes three
Published 2016-12-05 18:44:36
Four Financial Ideas On Your Work Anniversary
Published 2016-12-05 18:36:58
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    I was laid off and now would like to pull my money out.
    Best thing you can do for your 401k is either roll it over to an IRA or roll it into your new employers 401k. You will be hit with a large penalty if you withdraw your 401k money if you are under a certain age (Mid 50's) depending on the situation!...  (more)
    Answered Dec 2016
    We are in the IBM 401k plan for about 23 years, invested 2020 target date - where to invest funds after 2020?
    Proper asset allocation is Key. It's possible it is being achieved via that target date fund but unlikely. Having a fee based CFP help you with asset allocation is a very good idea....  (more)
    Answered Dec 2016
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
        Not registered
      • disclosures
      • as of date
        Aug 20, 2019
      • license status
        Not registered
      • disclosures
      • as of date
        Aug 20, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      There are no assets to display at this time.


      There is no compensation data available to display at this time