Financial Services

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The Facts About Your Financial Goals & Plan

When considering your financial goals it is important to take a look at each piece of your financial plan including life insurance, retirement planning, charitable goals, and leaving a legacy that ensures your loved ones are protected and have an inheritance.

Plan for Life


Life insurance is the most important part of your financial strategy. Adequate coverage ensures that your loved ones have a financially secure future after you pass away.

Life insurance can be used to help pay for final expenses, cover the loss of your income, pay off debt, and ensure your family is secure in the event of your death.

Premium Financed Life Insurance

One of the most cost-effective ways for high net worth individuals to protect their assets and ​create estate liquidity is to​ take advantage of premium financing for life insurance.​

​Premium financing for life insurance avoids incurring capital gains tax and liquidating investments to cover these life insurance premiums.

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Retiring comfortably is a primary goal of most Americans. Annuities are designed to provide protected lifetime income every month with growth potential. Your retirement planning may include stocks, bonds and mutual funds. Each play a role in helping you achieve a successful retirement. Annuities are fixed products with flexible options designed for protected lifetime income, growth with built-in downside loss protection.

Schedule a FREE review today with one of our professional team members.

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The Facts about Life Insurance

Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less.

What Type of Policy Is Right for You?

An important first step you need to make is deciding what type of insurance is right for your situation. The biggest factor to consider is time.

Whole Life

With whole life insurance, the individual is covered for their entire lifetime. This type of policy allows you to borrow from it over your life, too. It can even be a part of your estate plan.

Term Life

Term life insurance is in place for a set amount of time. This type of policy is less expensive, but provides your family with financial protection when it is most at risk, such as when you have a mortgage to pay and dependents relying on your income.There are other options to take into consideration. Child life insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.

Universal Life

Universal life (UL) insurance is a permanent life insurance with a built in investment savings element and generally lower premiums that are similar to term life insurance premiums. Most Universal Life insurance policies contain a flexible-premium option as well as the ability to add additional money to your account to take further advantage of the savings/ investment features of the policy.

Finding the Right Policy

To ensure you get the right type of policy as well as the most affordable option, discuss your needs with one of our licensed professional, independent agents. You can get a comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider, though. Rather, you'll receive a quote from multiple providers through our licensed agents so you can compare your options. That way, you get the best policy for your needs and your budget.

Get The Coverage You Need!

Request A Free Quote!

Reach out today and let our team of experts help you with all your insurance and financial service needs!


Serving All of Your Insurance and Financial Services Needs

Contact us today!


1990 N California Blvd
Suite 20 PMB 1069
Walnut Creek, Ca 94596

Hours: Monday – Friday: 9am – 5pm

Saturday: By Appointment only

Sunday: Closed

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