Life insurance in Manhattan Beach - Experienced Agent, Business Consulting
Helping My Clients Feel Secure, Helping My Clients Find Success!
CA Insurance # 0I59884
About MFC
My Experience
After starting off in the financial industry as a financial advisor at a Beverly Hills firm, I moved on to other financial institutions, which gave me a chance to truly develop and hone in on what it is that I do best... and that is simply helping others, however I can. Setting up shop in the South Bay and selling Life Insurance in Manhattan Beach and all the surrounding cities, I have quite an extensive network! Largely in part because of my duties as an ambassador of the Manhattan Beach Chamber of Commerce, as well as simply having a knack for connecting people. People tend to gravitate to you when you lead with, "How can I help you?"... and not simply asking that to offer, say my business management services or financial services in Manhattan Beach but rather, how can I help you, period! Thus, I've since de-registered as a financial advisor, which allows me to focus on the life-insurance portion of financial service, as well as other opportunities that may also help a client even further.
My Approach to Consulting Services
Though I am no longer a licensed financial advisor, I'm an experienced licensed insurance agent, specializing in fixed products, and I have a full team of independent financial associates across the nation with various core competencies. Thus, my approach is quite comprehensive, as to better identify potential gaps in one's financial plan and/or opportunities. Once priorities are identified and agreed upon, we develop a plan, with regards to the order and pace at which we will operate.
As far as my business consulting services go, my approach is rather the same. I assess what ones needs are and then simply align them with those who I deem appropriate and vital to helping reach a certain goal. Again, through my vast network of trust and associates and colleagues we strategically pull the right players in, strategize on a plan and then execute!
Why MFC?
When you choose MFC, you get me, the owner of MFC. I genuinely care about my clients and want them to thrive in all that they do. This is something that one can't fake! And this is evident in my passion and attention to detail given to you, the client. Whether you’re seeking financial assistance, or you’re a small-business owner looking for a strategic alliance with the right partner or a special skillset or tool, then give me a holler today. Together we’ll create and refine your plan for success. I didn’t get there alone. And neither will you!
Did You Know?
FYI...
Term-life insurance, which is most affordable of all life insurances. As a matter of fact, you've likely seen either daily commercials or heard a few radio ads in your car from time to time. Or maybe you've received some of the many weekly mailers, advertising low cost life insurance... Yeah, I hate getting those too! I also hate going to the dentist, but it is a necessity I do not neglect, because I'm better off with it than without!
Permanent life insurance policies do exactly what term-life policies do, but they are forever, until the policy holder dies and they also have a cash accumulation component to it. For example, Indexed universal Life policies, which is a fixed product, allows for that tax-free cash accumulation, plus the death benefit. They also have what we call riders which are like additions to the policies or upgrades, if you will, such as terminal illness or even long-term care assistance.
And for the wealthy, there's what we call, premium finance life insurance. This policy can technically be a term or a permanent one but it is more about how it is actually paid for. These policies are actually funded by the client, leveraging their assets and getting a bank loan. This usually makes financial sense for the high net worth client, especially as interest rates are still relatively low. This is a whole world unto itself, as this is a highly sophisticated tool usually tied directly to ones estate planning.
All in all, life insurance has so much to offer, from its necessity of providing a tax free safe haven for ones family in the case of an untimely death as well as to potentially be a great addition to ones financial plan as a viable savings tool.
- NOTE: The cumulative amount of life insurance you’re allowed to buy is generally based on a multiplier of your current age and gross income, aligning with approximately how many years you have until retirement:
•20s and 30s: 30x your gross income
•40s and 50s: 15-20x your gross income
•60s and 70s: 5-10x your gross income
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