Frequently Asked Questions
Getting Started
Q: I don’t know anything about insurance or investing. Is this even for me?
A: Yes. Most of our clients started with zero knowledge — and that’s exactly why they came to us. We break everything down in plain English and show you options you may not even know exist.
Q: Isn’t this just for “rich people”?
A: No. The strategies we use were once only known by the wealthy, but they’re available to everyday families too. The difference is knowing they exist — and that’s where we come in.
Life Insurance
Q: Why do I need life insurance if I already have it through work?
A: Most jobs only give you a small policy that goes away when you change jobs. A personal policy stays with you and can be customized for your family. We’ll help you see the gap so you can decide if you’re really covered.
Q: Isn’t life insurance expensive?
A: For most families it’s surprisingly affordable — sometimes less than your daily coffee. The younger and healthier you are, the better your options.
Q: Can life insurance do more than just pay if I pass away?
A: Yes. Certain policies can also build living benefits you can use for emergencies, college, or retirement. The details depend on the type of policy, and we’ll walk you through which ones actually make sense.
401(k) Rollovers & Retirement
Q: Do I need to quit my job to roll over my 401(k)?
A: Not always. If you’ve left a job, you have choices immediately. If you’re still working, some plans let you do what’s called an “in-service rollover.” We’ll help check your specific plan so you know exactly what’s possible.
Q: Why would I move my 401(k)? Isn’t it fine where it is?
A: Leaving money in an old 401(k) is like leaving a car parked with the keys in it — it just sits there. By moving it into the right plan, you may be able to protect it from market swings and even set up guaranteed income for life. Curious what that looks like? That’s where a call with us comes in.
IULs & Annuities
Q: What’s the difference between an IUL and an annuity?
A: Think of an IUL as life insurance with a savings feature — you get protection and the ability to grow money you can use while alive. An annuity is different: it’s about creating a personal pension, turning savings into steady lifetime income. Which one fits better depends on your goals.
Q: Isn’t the stock market risky? Will I lose my money?
A: With the tools we use, you don’t lose money when the market drops. Some even guarantee lifetime income. The “how” depends on the product, but the bottom line is: you can grow without the rollercoaster.
Working With Us
Q: Do I have to pay you for a consultation?
A: No. Our consultations are completely free. We’d rather you feel educated before making any decision.
Q: What if I’m not ready to buy anything right now?
A: That’s fine. Most people we meet aren’t ready on day one. Our role is to explain your options so you can decide when the time is right.
Q: How do I know I can trust you?
A: We’re licensed California agents, rooted right here in Woodland. Families trust us because we stay local, give back through PTA and youth sports, and explain things in everyday language.
Quick Myths We Hear All the Time
“I’m too young for life insurance.” → Actually, that’s when it’s cheapest and easiest.
“I’ll just invest on my own.” → That’s an option, but most people don’t realize they can combine growth and protection without market risk.
“GoFundMe will take care of my family.” → It won’t. Life insurance is the only way to create an immediate safety net.