An estimate of your monthly income from CalSTRS or CalPERS. Understand your pension today to help plan for your retirement tomorrow.

Planning ahead is vital to whether or not you can live comfortably after you retire.  We can help assist you with various financial investments to insure you don't outlive your income.

Ensure that your family will have the money necessary to live in comfort, purchase a home, pay for college, and so on, should something happen to you. We have various products available to suit your needs.

An annuity is a financial product that allows a contract holder to accumulate money on a tax-deferred basis and receive a series of payments at regular intervals. People purchase annuities to obtain an income or to supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. There are many different types of annuity contracts. Immediate annuity contracts provide income payments that normally begin within a year after the premium is paid. Deferred annuity contracts provide income payments that begin later, often after many years. Individual contracts cover only one person, while group contracts cover a specific group of people.

If you become chronically ill – because of a cognitive impairment, or because you're unable to perform at least two activities of daily living without substantial assistance – long-term care insurance could help pay for the care you need. Depending on the level of care requred, it may be provided in a nursing home, and alternate care facility, or even at your home.

In addition to helping pay the costs of long-term care, long-term care insurance may help to provide these benefits:

The Costs and Risks of Long-Term Care

Protect your savings and other assets

Preserve your independence

Exercise your own choices

Avoid government dependence

Maintain a better quality of life

A nursing home stay costs an average of $87,000 per year according to a recent, national study, and this is just one of many costs associated with long-term care.*

If you're unable to pay for long-term care when you or a loved one needs it, you may need to spend down your assets to become eligible for Medicaid to pay the costs of care.

70% of those over 65 will need long-term care at some point in their lives.*

40% of all adults in the United States require long-term care before they reach the age of 65.*

If you were diagnosed with cancer, would you be able to cover rising treatment costs? Medical insurance is a great help, but there can be numerous expenses that your health plan doesn’t cover, such as out-of-network treatments, home health care needs and experimental treatments. You’d also still have your regular, ongoing bills.

Cancer Insurance Plans can help offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most medical plans don’t cover.

Coverage provides benefits you can use to help with:

Breast Cancer

The American Cancer Society estimates that in 2014:

And that doesn’t even include the more than 2,300 men who will be diagnosed.

If you or a loved one needed treatment for breast cancer, how would you cover all of the expenses? Health insurance can certainly help, but what about all of the other expenses that your health plan may not cover?

Our cancer insurance can help you pay for necessities such as:

Loss of income

Child care

Lodging and meals

Deductibles and co-pays

About 232,670 new cases of invasive breast cancer will be diagnosed in women.

About 62,570 new cases of carcinoma in situ (CIS) will be diagnosed (CIS is non-invasive and is the earliest form of breast cancer).

About 40,000 women will die from breast cancer.

Care at out-of-network specialty centers

Home health care

Experimental treatments

Lost income

Child care

Travel, lodging and meals during treatment

Deductibles and co-pays