Insurance forms the bedrock of all comprehensive financial security planning. Insurance can protect you and your family from undue hardship if tragic events like death, disability or critical illness strike. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like purchasing a new car, funding a child’s education or retiring comfortably.

I have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.


Life insurance


In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

The advantages of life insurance include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

I can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan.

Life insurance can play a vital role in your financial security plan - contact us today to find out how.

Long-term Care Insurance

Not everyone needs Long-Term Care Insurance, but everyone needs a Long-Term Care plan. What’s yours?

What is Long-Term Care?

Long-term care services assist a person who has lost some or all of the ability to care for himself or herself due to an illness, an accident or the process of aging.

These services can help people in the normal activities of daily living, such as bathing, toileting, eating, dressing, etc. The services can be provided in a person’s home or in a facility.

How can Long-Term Care Insurance help?

A Long-Term Care Insurance policy can provide the funds to help you pay for Long-Term Care services. These services are not covered by most Health Insurance policies. While Health Insurance policies are designed to cover hospital expenses, doctor’s fees and prescriptions, Long-Term Care policies are designed to provide coverage for care once a person’s condition is at a point where they are not hospitalized but still need help with activities of daily living and some supervision.

Some people are counting on Medicare or Medi-Cal to pay for any Long –Term Care needs. Services through these programs are very limited. If this was your plan, please visit for eye-opening information.

By including Long-Term Care Insurance in your plan, you will have choices about where and how you receive that help. Long-Term Care Insurance can protect your financial plan and protect the well-being of family members who would otherwise need to provide that care for you themselves or pay someone to provide it.

If you are currently receiving Long-Term Care or expect to need it in the next few months and you have a life insurance policy, you should be aware of an option to obtain a Life Settlement to help pay for your care. If you think a Life Settlement may be a good option for you, please contact us. We can explain how the settlement works and determine if you are a good candidate for this solution.

This is such an important topic to us that we will send you a free booklet, “The ABC’s of Long Term Care Insurance,” by Phyllis Shelton if you send us your contact information

We want to protect as many families as possible from the emotional and financial hardships of full-time care of a loved one who has become unable to care for himself or herself.


Part of your retirement plan can include an annuity which can provide a lifetime income stream, guaranteed, no matter how long you live.

Annuities come in all sizes, shapes and forms. Some of them might be good complements to your retirement plan.

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We have a wealth of experience in the financial services industry.

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