Our Principals

Emma Headshot

O: (925) 552-7152
M: (510) 367-7745
M: (925) 683-4670

Emma Mabagos Magbitang

Emma is committed to providing individuals, families and businesses with life insurance and financial products that meet their needs.

By keeping up with current trends and offering outstanding service, Emma has earned a reputation for integrity and for showing true concern for her clients.

Emma was born and raised in the Philippines. She is a graduate of De La Salle University in Manila, with a degree of Bachelor of Science in Commerce, major in Marketing Management.

Emma joined New York Life Insurance Company in 1986 and has a broad background in both personal and business insurance planning. An established agent from the San Francisco General Office, she operates her own office in the commercial downtown area of Alamo. She resides in Alamo with her husband Jun, their two sons EJ and Joel, who both are also New York Life agents, and their daughter Jaclyn.

"I want to assist you by providing the best possible professional service. I will strive to help you achieve your financial goals and accomplish the desired results. I also want to develop long term relationships based upon these principles with personalized service. I will coordinate with your attorney, accountant and financial advisors to help meet the needs of your family and your business."

View Recognition and Awards

  • New York Life Chairman’s Council - 2002, 2012 and 2013
  • New York Life Premier President’s Council - 2001, 2009, 2010 & 2011
  • New York Life President’s Council - 1994 to 2000 and 2003 to 2008
  • New York Life Executive Council - 1992 and 1993
  • Court of the Table Million Dollar Round Table* - 2002
  • Qualifying and Life Member of Million Dollar Round Table - 2007
  • New York Life Pacific Five Star - 1993, 1994 and 1995
  • New York Life Centurion Award - 1992 to 2005
  • Member, NAIFA (National Association of Insurance and Financial Advisors)
  • National Sales Achievement Award - 1993 to 2002
  • National Quality Award - 1993 to 2002
  • Leading Life Insurance Producers of Northern California - 1995 to 2001
  • Board of Director, De La Salle Alumni Association of Northern California
  • Member, Alpha Phi Omega Gamma Epsilon International - DLSU
  • Member, Alpha Phi Omega of San Francisco & Silicon Valley
  • Member, Alamo Chamber of Commerce
  • Member, Lions Club of Hercules

*The Million Dollar Round Table is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Julius Headshot

O: (925) 552-7152
M: (925) 285-8051

Julius Elmer "Joel" M. Magbitang, CFP®, LUTCF - Financial Adviser* & Partner

Keeping risk management and asset protection in mind, Joel helps physicians, dentists, business and individuals focus on the accumulation, protection, and transfer of wealth and assets.

As a Financial Adviser*, Joel holds several professional designations and licenses and is well versed in a number of financial disciplines. In order to stay on top of his field and provide the best possible advice, he continitues to regularly attend industry training and certification programs. Joel's combined education and experience positions him to offer his clients an impressive depth of expertise in investment, insurance and estate planning.

Many clients of Magbitang Financial can remember Joel from his grade school days helping around the office. Clearly he had a passion for finance. Graduating from St. Mary's College with a Bachelor of Science in Economics and Business Administration and a minor in Philosophy, Joel formally joined the family practice as a Partner. Continuing to seek a greater level of competence in the insurance and investment arena, Joel completed his LUTCF (Life Underwriter Training Council Fellow) designation with The American College. Further distinguishing himself from others providing financial advice and striving to provide the best possible service to his clients, Joel completed San Francisco State University's Executive Certificate in Financial Planning and went on to pass the national Certified Financial Planner Board of Standards Board Exam, earning him the CFP® (CERTIFIED FINANCIAL PLANNERTM) desingation.

Certified Financial Planner Logo

Joel enjoys many outdoor activities including cycling and skiing. Joel's other passions include photography and travel.

View Recognition and Awards

  • LUTCF, Life Underwriter Training Council Fellow, designee - 2006
  • Nautilus Affiliation - 2014
  • Eagle Affiliation - 2012
  • New York Life's Chairman's Council - 2012, 2013 & 2014
  • New York Life's President's Council - 2009, 2010 & 2011
  • New York Life's Executive Council - 2005 to 2008
  • Qualifying Member, MDRT*, Million Dollar Round Table - 2010, 2011, 2012, 2013, 2014 & 2015
  • Member, NAIFA (National Association of Insurance and Financial Advisors)
  • Graduate of St. Mary's College, Bachelor of Science in Economics and Business Administration, minor in Philosophy
  • Graduate of San Francisco State University's Executive Certificate in Financial Planning


  • Investments
  • Asset Protection
  • Business Succession Planning
  • Charitable Giving
  • Estate Planning
  • Life Insurance Strategies
  • Retirement Planning
  • Risk Management
  • Wealth Preservation Planning
  • 401(k) Rollovers

*Julius Elmer "Joel" M. Magbitang, CFP®, LUTCF is a Financial Adviser offering investment advisory services through Eagle Strategies LLC, a Registered Investment Adviser.