In the realm of retirement planning, one strategy is Roth IRA conversions, which can offer tax-free distributions in retirement. As with any financial strategy, it’s essential to understand how Roth IRA conversions work, their benefits and tax [...]
Purchasing long-term care insurance (LTCI) is one method to help prepare for future healthcare needs. However, the costs of premiums can be high, and not everyone qualifies for this type of insurance. Therefore, understanding alternatives to LTCI [...]
Over the last few years, the financial services landscape has shifted to a more personalized, proactive, and comprehensive approach. The traditional model of standalone services is giving way to a new standard of wealth management: holistic and collaborative [...]
Annuities are a contract with an insurance company that provides a steady stream of income to the insured. Annuities are potentially for life. They can be an important part of retirement income planning for many individuals. [...]
When considering life insurance options, weighing all factors before deciding is crucial. One such option is variable life insurance. This product combines protection with an investment component, which may appeal to individuals who are comfortable with market [...]
As we move into the 21st century, we observe the rise of the “Retirement Wave.” According to AARP International, many of the baby boomer generation are now transitioning into retirement, with about 10,000 people turning 65 daily. [...]
Annuities have emerged as a suitable insurance product for many in recent years. 2025 has been particularly pivotal, with a significant rise in individuals purchasing annuities. This article explores this trend and why investors are purchasing annuities [...]
As the hot weather kicks in this summer, now is an opportune time to explore proactive tax strategies that can help manage your 2025 tax liabilities and lead to a refund. Planning with these cool tax tips [...]
While enjoying the sunny days of summer, why not take a moment to consider how deferred annuities can help keep your retirement savings plans cool? These insurance products can add a layer of security and offer additional [...]
Life insurance is a financial safety net that provides a death benefit to beneficiaries after death. However, the question arises: How much life insurance do you need? […]
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Office Manager
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Managing Partner
With almost two decades of experience as a Financial Insurance Advisor, Michelle has cultivated a reputation for her commitment to client education and advocacy within the insurance industry. She approaches each client interaction with a familial touch, ensuring clarity and understanding in navigating the diverse landscape of financial insurance products and strategies.
Michelle’s dedication extends beyond individual relationships; she actively contributes to our organization’s mission of providing reliable guidance and education to both clients and the broader community. Hailing from Southern California, Michelle’s affinity for the outdoors and global exploration complements her passion for client service and community engagement, making her an invaluable asset to our team.
Founder and Managing Partner
With almost two decades of experience in the financial Services industry. Rod has made in a point to increase knowledge in order to better service his clients with the education they deserve. Although every family and business need may differ, Rod focuses on providing valuable insight through education in order to help clients make decisions based on their personal needs. Rod’s dedication to this industry derived from a personal experience in 1992 when his mother suffered a stroke which caused a financial ruin.
Because of this personal experience it has become Rod’s passion to educate families and business owners by offering a more holistic approach to their planning needs. Rod specializes in building your trust as a client first, followed by providing the right solutions to your planning needs. Rod has extensive knowledge in Tax Diversification Strategies, Various life insurance offerings, Autunites, Roth Conversions, Individual and Group Disability, Individual and Group Health Care, Small to Large Employee Plan Benefits, Retirement Planning, Estate Planning, Keyman Insurance, Buy Sell Agreements, 401k, 457, 403B Rollovers, Company Pensions, and Debt Elimination (Giving Your Money Two Jobs!)
Managing Partner
My goal in life is to always look for an opportunity to give a person a hand up and a way to add some level of growth and positivity to their life using the knowledge and tools at my disposal.
Born and raised in New Jersey, later migrated to Sacramento, CA via the United States Air Force. In the Air Force I began my journey into helping people as a Medical Service Specialist (Medic).
Once my tour was completed, I decided to continue in the medical profession and decided to become a Nurse. I enjoyed a long career(36yrs) at UCDMC with a specialty in Pediatric Nursing and the last 20 years in Pediatric ICU.
During that time, I decided to feed my entrepreneurial spirit and explored a few business ventures but settled on a couple, Real Estate and Financial Services. In the Real Estate industry, I worked in the residential arena and transitioned to the commercial arena assisting business owners and investors. Adding Financial Services to my repertoire and partnering with Blue Horizon Financial and Insurance Services, I saw how I can be of greater service to my clients.
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