Combine expert insurance advice with practical financial planning. From everyday budgeting to mortgages, business coverage, and real estate, our specialists help you protect wealth and grow it with clarity.
Navigate every major financial decision with a cohesive plan. Start with protection, then layer in lending and property strategies that match your risk profile.
Protect every drive with liability, collision, and comprehensive coverage tailored to California roads, commutes, and car values.
Learn MoreGuard your home, belongings, and personal liability with coverage structured around local risks, rebuild costs, and your budget.
Learn MoreCoordinate medical coverage with your cash flow so doctor visits, prescriptions, and emergencies fit into a sustainable financial plan.
Learn MoreCreate a safety net for your family, fund future goals, and complement your retirement strategy with term and permanent life options.
Learn MoreSecure your revenue, people, and assets with commercial coverage built for California businesses, from solo ventures to growing teams.
Learn MoreTravel with confidence knowing medical emergencies, trip interruptions, and lost baggage are planned for before you leave.
Learn MoreTurn your monthly income into a clear plan for essentials, lifestyle, and savings. Our team helps you structure cash flow so insurance premiums, loan payments, and investments all work together.
Use the 50/30/20 framework to see how your income could be distributed between needs, wants, and savings.
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This illustration is for education only. Your advisor can customize percentages based on your situation.
Pair business insurance with cash flow planning, lending, and risk management so your company can grow with fewer surprises.
Compare mortgage structures before you commit. See how interest rate, term length, and loan type impact your monthly payment and lifetime interest.
Estimate a principal and interest payment for planning purposes. Use your lender’s official figures before making final decisions.
Estimated monthly payment
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Principal and interest only. Taxes, insurance, and HOA fees are not included.
Estimated interest paid:
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Use this estimate to compare terms before you engage a lender or lock a rate.
Different goals require different loan structures. We help you understand repayment timelines, rate types, and risk trade‑offs before you sign.
| Loan type | Typical use | Usual term |
|---|---|---|
| Personal loan | Debt consolidation, major purchases, emergencies | 2–7 years |
| Student loan | Undergraduate or graduate education costs | 10–25 years |
| Auto loan | New or used vehicle financing | 3–8 years |
| Business term loan | Working capital, equipment, expansion | 3–10 years |
Our advisors review repayment capacity, rate type (fixed or variable), and collateral requirements alongside your existing insurance protections.
Estimated monthly payment
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Relative payment impact
These visualizations are simplified for education. Exact payment amounts and approval decisions come from your lender.
Coordinate property decisions with your insurance, loan strategy, and long‑term financial plan so every transaction fits your bigger picture.
Evaluate affordability, coverage needs, and mortgage options together before you write an offer or refinance.
Plan what happens to your coverage, mortgage, and cash proceeds when you move or upgrade homes.
Protect rental and investment properties with landlord insurance, liability coverage, and financing that reflects your portfolio strategy.
Clients stay with us because they get more than a policy. They get a long‑term partner for their financial decisions.
Years of combined financial and insurance experience
Policies and plans guided across California
Client satisfaction across service interactions
Support for urgent claim situations
Every household and business we work with has a different story. What they share in common is feeling more confident about their next financial decision.
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