Rich Arzaga, CFP®, CCIM, is a rare blend of certified financial planner and investment real estate expert, uniquely qualified with the top designation in commercial real estate. As Founder of The Real Estate Whisperer Financial Planning, Rich specializes in helping real estate investors and their advisors navigate complex decisions, including buy-sell-hold strategies, cash flow modeling, 1031 exchanges, and advanced tax strategies. A sought-after speaker and honored instructor in UC Berkeley’s Personal Financial Planning program, Rich’s insights have been featured in Kiplinger, The Wall Street Journal, Newsweek, Real Estate Business, and other leading publications.