Disclosures

We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives.

California Retirement Plans (CRP) is a financial planning firm. Investment and/or securities advice or transactions are not provided by employees of CRP. CRP is not a securities dealer. CRP does not offer investment, tax or legal advice. You should consult with the proper professional for these matters. Any discussions of investments, legal matters or taxes should be concerned incidental to the financial and retirement planning process.

Any references to protection benefits or steady and reliable income streams on his website refer only to fixed insurance products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The purpose of this website is to provide general information on the subjects discussed; it is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm does not provide tax, legal or investment advice; all individuals are encouraged to seek guidance from qualified professionals regarding their personal situation.