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Keegan Tanghe, AIF®
Senior Vice President of Wealth Planning

"I don't work 9 - 5, but from start to finish with every client that comes into my office , I make the process fun and enjoyable for all."

- KEEGAN TANGHE

Keegan Tanghe has always had a hard-work mindset instilled in him by his parent’s at an early age, whether it was setting up a lemonade stand outside his house, doing odd jobs for elderly neighbors, or recycling cans & bottles since he could remember with his father. He still recycles today & uses those dollars to put into his son’s college fund, looking to instill those same traits into his future generations. He now pays it forward to those clients that he works with, helping them to maximize their hard earned dollars for their future.

Keegan joined Trilogy Financial in June of 2004, two weeks out of college. Now after building a successful practice, working with a very diverse group of clientele, he is focusing on strengthening those existing relationships, welcoming new clients from various backgrounds. Keegan heads up a team of specialists within Trilogy Financial that is focused on investment, tax, estate, and protection planning for clients in various stages of their lives. These strategies range from designing a comprehensive financial plan tailored specifically for each individual client’s income needs, time frames, goals, etc, with the flexibility to change as their life does. He believes that everyone’s situation is unique and should never be generalized. Keegan and his team are committed to offering independent, objective, and professional advice in the context of personal and business planning solutions. He believes that properly educating your clients before making any financial decision is an integral part of the planning process, working with the heart of a teacher.

He takes a very fun approach to planning with his clients, actively getting everybody involved & tries to explain things in the simplest form that they can relate to. This led him to being a part of the Dave Ramsey SmartVestor Pro* team in the office, providing advice and guidance to Dave Ramsey’s faithful followers, since 2007, walking them through his Baby Steps. He was selected to be a member of the Content Committee at Trilogy, which writes the various blogs & articles that you see on the website & social media. Keegan is also one of the youngest advisors to be promoted to Senior Partner in Trilogy’s history.

Keegan obtained his Bachelor of Science Degree in Business Administration from the University of Redlands, & holds his FINRA Series 6, 7, and 63 securities registrations through LPL Financial and the Series 65 registration through Trilogy Capital, Inc. He also holds his Life & Health (CA License #OE54466), and Long-Term Care (LTC) licenses. His goal is to continue to solidify himself as the central trusted financial resource for his clients, helping them pass their legacy on to their children or charities of their choice.

He and his beautiful wife Wendy have resided in the city of Corona since 2011 with their young son Grayson James, who was born in the fall of 2014, alongside their two dogs Molly & Kona. The mix of them creates a very interesting & fun home environment. He enjoys reading about various topics, working out, golfing, taking trips with the family, & rooting on their favorite sports team together. He is also actively involved at his local church in Corona, volunteering on Sunday mornings on the parking team & helped out on their financial & stewardship board in the past.

*The SmartVestor program is a directory of investment professionals.  Neither Dave Ramsey nor SmartVestor are affiliates of Trilogy or LPL.

 


KEEGAN's Client Relationships

Keegan and his team support a wide variety of clients, but here are some of the groups he has built his practice around.

 
Today's society is all about instant gratification.  We are bombarded left and right with ads on TV, billboards, the internet, social media, etc.  Pulling our attention every which way.  "You need this." "You deserve this." "Reward yourself with that." I was almost tempted myself recently, as Amazon Prime Day almost got me.  They advertised it so well, everywhere I looked leading up to it.  In's their version of "Black Friday," all on their own day.  Thankfully, I didn't' resist, save for getting a good deal on some shoes for my fast-growing toddler.
 
It’s really difficult to stayed grounded and focus on your long-term goals when you are bombarded by this and instead, get sidetracked and purchase so much “stuff.” We all have it. It lurks in our garage. Can you even park your cars in there anymore? It overflows in our “junk drawer.” The one in the kitchen. Or the nightstand. Clothes pile up in your room, overflowing your closet. So…what do you do with all of this “stuff?” Get a storage unit?? No! You get rid of it! You limit yourself. You prioritize. Have a yard sale. Sell things on Craigslist or Facebook. 
 
Now, buying nice things is not necessarily a bad thing, but it’s all about prioritization. Too many people overspend, max out credit cards, & live a stressed out life. We see it almost on a daily basis in our profession. We use dynamic tools and processes to help coach our clients on being prudent with their finances. We call this “Decision Coach” or “Decision Center” planning, depending on the level of complexity of the client’s situation and what is needed case by case. We coach them on organizing their finances, giving them true clarity of how successful (or not) they are trending for their future. 
 
Clients don’t work with or pay us to simply agree with them and tell them what they want to hear. What’s the point of that. We have to sometimes have heart-to-heart conversations with them about the potential drastic ramifications of their frivolous spending. Or, trying to help arguing spouses come to a middle ground on their differences on how to handle spending. Many times, we run into situations where one spouse is a saver and the other is a spender, so they clash on a routine basis. Now, while opposites to do indeed attract, they need to learn to work through those differences and communicate routinely about their finances and set boundaries on spending and financial decisions, or they could be headed quickly towards divorce court. Both should be involved, instead of one person being the dominant one. 
 
Many people may be afraid to work with a financial advisor, because they think they are just there to slap them on the wrist and tell them not to spend their money. Not true, as we are not here to nitpick every single expense that comes out of your bank account (unless you want that accountability! Haha.) If you work hard, budget accordingly and live within your means, there is no reason why you can’t purchase that dream car, take that dream vacation, golf Pebble Beach, go to the Super Bowl, or get the nice purse. The beauty of working with a Financial Coach is that we are able to visually show the client the effects of those purchases. How it will effect their plan, and future. Will this large, luxurious vacation now ultimately slow you down from getting to your ultimate vacation, retirement? It’s ironic that the average person spends more time planning out a week-long vacation compared to planning for retirement, which could be a 20-30 year “retirement.” 

Action Items:

  1. If you are married, speak to your spouse about big financial purchases before making them, to determine if they are “needs” or “wants.” 
    1. If you are single, find an accountability partner to help you reconsider frivolous purchases before making them.
  2. Try not to make impulsive buys, but actually think, “Do I actually need this?” Don’t make a large purchase right there in the moment. Sleep on it and think it through. 
  3. Work with a trusted financial advisor to help coach you on organizing your finances and prioritizing your purchases. 
  4. Keep us updated on your progress and good luck! 

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MEET KEEGAN'S TEAM MEMBERS
 
RICHARD HIGBEE
WEALTH ADVISOR
 

JONATHAN SABAT
WEALTH ADVISOR
 
CALL KEEGAN DIRECT AT
(951) 738-1100 ext. 6136
  Strategic Partners

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