Joshua Schefers is a Financial Advisor at Zuk Financial Group and Valley Wealth Strategies in Walnut Creek, CA. As a CFP® practitioner and a Registered Representative for LPL Financial, Joshua holds FINRA Series 7, 63 with LPL Financial & 65 licenses. He is also licensed with the California Department of Insurance for Life, Disability, Long-term Care Insurance and Variable Annuities. Through his investment advisory and financial planning practice, Joshua works with clients to develop comprehensive investment and financial plans. Areas of concentration include CalSTRS and CalPERS retirement planning, cash flow planning, risk management, investment advisory and business continuity plann