“Successful retirement is defined as stream of income sufficient to sustain your chosen standard living,” Noble Prize-Winning Economist, Robert C Merton

Hi, After spending 19 years in California law enforcement, I began my second career in the insurance industry helping clients find ways to protect their assets, reduce their lifetime tax bills, leave tax-free money to family and generate guaranteed lifetime income.

BlackRock, the world’s largest asset manager, does not promote annuities. However, their analysis shows, “Adding guaranteed lifetime income…generates 29% more annual spending ability…”

I’m the author of three books, Wealth Control Made Easy, The Million Dollar Bullet and The Business Owner Insurance Handbook.

Farmers Insurance needs a specialist like me to help their insurance agents. Farmers Insurance recruited me to be their specialist for Northern California so I can help their clients preserve their retirement nest egg and protect their assets.

Years ago, when I started studying to become a security licensed “financial advisor,” I learned how the market works and saw that clients are losing more money than they are gaining. They just don’t see it.

A study from J.P. Morgan discovered “the average investor makes 2.7%.”

David Blanchett and Michael Finke found that Guaranteed income gives you “A license to spend.” One fancy term created by Wall Street was the “4% rule.” I’m sure your advisor explained this to you already. After testing this out on clients for almost 30 years, Economists decided to change the 4% rule to the 2.7% rule.

I prefer to help my clients do the “boring stuff.” Protect and secure their retirement nest-egg and investments so they:

*Never Run Out Of Money

*Never Lose Principle To Market Risk

*Leave Tax-Free Money To Heirs

Financial advisors are experts in helping clients save for retirement. When you are on the “DECUMULATION” side of the retirement mountain, the math is different.

There is no more time to wait for the market to recover. I am a “DECUMULATION” expert. This means I specialize in helping clients create guaranteed lifetime income “mailbox money.”

I like my clients to have more income than they need. When you reach the income phase of your retirement, often, it could be time to pivot to an income specialist who knows how to generate lifetime guaranteed income and eliminate any risk of market loss.

You work hard for your money; I help you keep it in your pocket and keep what is left in the family.