Life Insurance & Retirement Planning in Los Angeles.
Protect your family's income. Build retirement income you can't outlive. Rick shops term, whole life, and annuities across 20+ carriers to design coverage that actually fits your goals.
Every option, one advisor.
As an independent broker in Los Angeles, Rick shops 20+ carriers so you see the full field — not a single company's shelf. That means honest recommendations built around your budget, providers, and family.
- Term life insurance (10, 20, 30-year)
- Whole life & permanent life insurance
- Universal & indexed universal life
- Retirement life insurance strategies
- Fixed & fixed-indexed annuities
- Immediate & deferred income annuities
- Retirement income planning
- Social Security & Medicare integration
If any of this sounds familiar, you're in the right place.
In LA, mortgages and cost of living demand real coverage. Rick calculates the true number — not a guess.
This is the danger zone — market drops now compound for decades. We build income strategies that don't rely on perfect markets.
Pensions are rare. Annuities can create a lifetime paycheck that fills the gap between Social Security and your spending needs.
Rates have dropped. Health may have improved. Many clients cut premiums or add coverage just by having Rick re-shop.
Get a straight answer today.
A 15-minute call is often all it takes to know if you're overpaying or underinsured.
The difference an independent LA broker makes.
Not a formula from a brochure — a personalized number based on your LA reality.
Underwriting varies wildly. Rick submits to the carriers most likely to approve you at the best class.
Coverage is designed to work at every life stage, not just today.
Life pairs with Medicare, LTC, and disability into a single strategy — not siloed products.
Simple, personal, and free.
What are you protecting? Who depends on you? What does retirement actually look like?
Rick builds a strategy and brings quotes from every viable carrier — with underwriting insight most agents miss.
Enrollment, policy delivery, and annual reviews to keep coverage aligned with life changes.
Frequently asked questions
Explore related services in Los Angeles.
Turning 65, comparing Advantage vs. Medigap, or already enrolled — clarity in one call.
Covered California, off-exchange, PPO/HMO — the right plan for how you actually see doctors.
Protect your income and your future care — before you need it, while premiums are lowest.
Build a retirement plan that pays you like a pension.
Free consultation. No pressure. Just a straight conversation about what your family actually needs.