Ventura, CA Office

The firm provides fee-based advisory services to individual clients, with primary offerings that include non‑discretionary management of fee‑based fixed indexed annuity contracts, financial planning, and referrals to third‑party money managers. It also offers no‑cost educational seminars and workshops and provides clients with a secure cloud portal for storing and viewing financial documents.

The firm’s practice centers on coordinating annuity contract management with insurance carriers — including directing interest strategy selections and arranging carrier withdrawals to pay advisory fees — while relying on third‑party money managers for discretionary portfolio management. Investment methods described in the brochure include fundamental, technical, and cyclical analysis, and account reviews are performed monthly or more often as market conditions dictate; reallocations in annuity contracts are made with client approval.

Notable features that distinguish the firm from many peers are its insurance affiliation (the managing member maintains an active insurance practice and other ancillary services) and its business model of placing client assets with third‑party managers rather than custodying assets directly, which results in the firm reporting no direct AUM on its ADV. The firm also discloses referral and fee‑sharing arrangements with third‑party managers, including an incentive program that shares a portion of advisory fees with the firm, and operates educational workshops as a regular part of its client engagement.