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Important Consumer Information:

A registered investment advisor may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a investment advisor or IA Representative, as appropriate.  Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion.  For information concerning the licensing status or disciplinary history of a investment advisor, a consumer should contact his or her state securities law administrator.

This Internet site may contain general information about various investment products.  The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client an offer to sell or the solicitation of an offer to buy any particular investment product.  Such information is directed soley to those individuals who reside in jurisdictions in which the advisor is registered in the state where the consumer and/or prospective client reside.  Any subsequent direct communication with a consumer and prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or client reside.

Specializing in independent financial advise.  We also offer fee based money management, financial planning, business planning, estate planning and retirement planning.  Products offered:  Life insurance (Term Insurance, Return of Premium Term Insurance, Universial life Insurance and Whole Life Insurance), Long Term Disability Insurance (Individual Income Protection, Key Man Disability, Business Buyout Long Term Disability, Business Overhead Disability Coverage and Retirment Disability Coverage), Group Medical Insurance (Consumer Driven Health Plans, Health Savings Accounts, High Deductable Health Plans), Travel medical insurance and trip cancellation coverage, Pensions (401(k), 403(b), 457, 412(i), defined contributions plans and defined benefit plans), Executive compensation, Deferred Compensation, Key Man Coverage, Key Person Coverage and Business Buy Out coverage). Financial planner, financial planners, financial advisors, investment advisor,investment planning, retirement investment planning, investment planning services, real estate investment planning, property investment planning, financial planning insurance, retirement income planning, retirement planning consultant, business succession planning, business continuity planning, group health insurance, long term disability, tax planning advise, inheritance tax planning, wealth management services, wealth investments, real estate investing advice, in California, Southern California, Orange County, Huntington Beach, Newport Beach, Irvine, Costa Mesa, Fountain Valley, Newport Beach, Laguna Beach, Dana Point, San Clemente, Oceanside, Palos Verdes.