Are You Thinking About Buying a Second Home?

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A home is one of the most significant purchases you’ve made in your lifetime, so you should take your time when thinking about buying a second one. The ability to rent the house, how you will use it, and its future value are all important things to think about. While many people have a favorite vacation spot in a scenic area, they can’t spend a significant amount of time there until they’re retired, and transitioning into retirement is no small task. And, the rules of Real Estate are a bit different for vacation homes, so there is still a lot of research for even the most experienced home owners to do.

First, you should consider what the primary purpose of the second home is going to be. Think about what your long-term goals are, and how buying a second home would help you achieve them. Is it a place for your family to gather? A place for you to enjoy a particular natural landscape? Or, is it a property you don’t see yourself visiting often and want to rent out? If you don’t expect to occupy it for more than a small portion of the year, you might want to look into if it could pay for itself. If it can’t, the cost and labor associated with maintenance could defeat the purpose. Assess how much of your time the house will take up and consider if that will make it more of a burden than an asset.

If you’re buying a second home as an investment, research how easily you can rent it, how it will appreciate or depreciate in value in the future, and the laws surrounding using real estate as an investment. For example, second homes in vacation destinations tend to be less susceptible to economic fluctuations, so don’t forget the classic piece of advice that real estate is all about ‘location, location, location.’ A unique residence in a desirable location can make for a great investment.

Since a second home requires a big financial commitment, you should look into how easy or difficult it would be to liquidate. If your financial situation changes and you need to sell, consider the desirability of the property. Remember that if market volatility forces you to sell, you may not be alone, which could affect prices and demand.

If you’re thinking about buying a second house, there are many things to consider; how you will use it and how much, its future value, and its potential to pay for itself are just a few. Second homes can be places for families to gather, lucrative investments, or a mix. They can also be a financial gamble, so learn the rules of real estate for vacation homes and think about how you would use the second home.

If you think a second home is part of your retirement plan, contact the professionals at Peak Financial Freedom Group before making the big decision. We can help you assess your financial situation and weigh the pros and cons. Click here to schedule your complimentary, no obligation review today.  

Have a Retirement Account? Be Prepared for Your RMDs!

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If you’ve contributed to a 401(k) or IRA, you should prepare a strategy for your RMDs (Required Minimum Distributions). After many years of enjoying tax free growth, your retirement savings from non-Roth (i.e. traditional) accounts will eventually be subject to tax. Rather than be caught off guard, take control and learn the ins and outs of your RMDs so you can avoid penalties, and determine the best strategy for re-distributing your RMDs.

Required minimum distributions from your IRA, Simple IRA, SEP IRA, or retirement plan must begin at age 70 ½. You have to take an RMD from your traditional IRA by December 31st, except for your first one, which you can delay until April 1st of the following year. However, this means that you’ll have to take two distributions in one year, which could push you into a higher tax bracket, contributing to your tax burden in retirement. You can either withdraw the entire amount from one IRA, or spread it out over multiple accounts. The rules regarding RMDs for traditional 401(k)s are similar, except that you must take an RMD from each 401(k) you own, and you don’t have to take an RMD if you’re still working in your 70’s.

One reason why it’s so important to know the rules regarding RMDs is that the penalty for failing to take them is equal to 50% of the amount not withdrawn. So, the question becomes, what do you do with your RMDs? You can take an RMD in cash, but you can also transfer the funds to a stock or mutual find. You can’t roll over the RMD into another IRA, although you can reinvest it using a taxable account. You must take an RMD before rolling over funds from a traditional IRA or converting to a Roth. You can also donate up to $100,000 from an IRA directly to charity. This way, the donation doesn’t count towards your adjusted gross income.

It’s not necessarily true that all of your RMDs will be taxed. If you made a non-deductible contribution to your IRA, then part of every withdrawal will not be taxable. However, you must know and indicate which portion of the withdrawal was nondeductible. If you look at a Form 8606 you can see what percentage of your IRA is made up of nondeductible contributions. That is the percentage of each withdrawal that will not be taxed.

Your IRA and 401(k) are important components of your retirement plan, so make sure you have a strategy in place for withdrawing from them. Rolling over an RMD into a Roth, reinvesting it in stocks or mutual funds, and donating directly to charity are some options. There are many ins and outs of RMDs and high penalties for failing to take them, so don’t be taken by surprise.

The rules surrounding RMDs can be complicated, so contact the professionals at Peak Financial Freedom Group before you’re 70 ½. There are ways to minimize your tax burden, and put your RMDs to good use. Click here to schedule your no cost, no obligation review today.

Why $1 Million in Savings may not be Enough

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They say age is just a number, but the same probably shouldn’t be said of retirement preparation. While $1 million may seem like a substantial nest egg, it may no longer be enough if you want to retire comfortably. In the past, many people set a goal to have a million dollars to retire on, but in today’s world it may not get you where you need to be for retirement. Healthcare costs and inflation are just a few of the retirement expenses that can eat up savings. Everyone’s retirement goals and situation are unique, and preparing for retirement might not be as simple as saving for a specific number at all. It’s worth taking a more in depth look at your finances and future needs to make sure you’re saving enough for retirement, and creating a comprehensive plan that fits you.

As Americans continue to live longer than previous generations, their retirement savings have to stretch further. It’s important to consider that health care costs tend to rise as we age. According to research from Fidelity Investments, The average 65-year-old couple retiring now can expect to spend roughly $280,000 of healthcare alone during retirement, which is up 75% from 2002. As Medicare most likely won’t cover all of your expenses, it’s important to anticipate a high cost of healthcare as you age. Health Savings Accounts, long-term care insurance, and Medicare Advantage plans are ways you can save for healthcare costs in retirement.

You know what $1 million is worth now, but what about in 20 years? Inflation erodes the value of savings, and will continue to do so after you retire as you start relying more on your savings for income. On average, the inflation rate is about 2.5% a year, and can spike. To get a sense of how you should save, make a retirement budget that includes how much you need to cover expenses and funds for leisure activities you’re looking forward to, multiply it by 25-30, and then adjust for inflation. Unfortunately, the rising cost of living could leave you with effectively half the money you thought you had saved from your retirement years. Low-risk investments, bonds, and annuities are some of the ways you can protect against inflation in retirement.

You can’t predict how retirement could be different in 2030, but you can create a solid plan for retirement. While saving for retirement is necessary, it’s not the only thing you need to do to prepare. High healthcare costs and inflation can eat up your savings in retirement, possibly making $1 million insufficient. A comprehensive plan looks beyond an arbitrary number to your unique retirement goals and situation.

At Peak Financial Freedom Group, we will work with you to create a comprehensive retirement plan that takes costs in retirement into account. Click here to schedule your no cost, no obligation financial review to take the first steps towards a retirement plan that’s more than just a number.

Is Now the Time to Convert to a Roth IRA?

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Roman poet Horace penned the famous phrase, “carpe diem” – seize the day. Could 2019 be the year to seize the Roth? A Roth IRA can be a valuable asset in retirement because qualified distributions are not taxed, unlike distributions from a traditional IRA.  Roth IRAs are also not subject to required minimum distributions, (RMDs) so funds can continue to grow tax free, and the remaining balance can be passed onto a beneficiary. If lowering your tax burden or passing on tax free wealth is a retirement goal, you may want to consider converting to a Roth this year.

A Roth IRA conversion is a significant decision, as conversions are now irreversible. Also, you will have to pay taxes on the conversion, and the bigger the conversion the more you pay. However, you don’t have to convert the entirety of the funds at once. The market volatility at the end of 2018 might have reduced the value of your IRA, in which case a Roth conversion now would mean a lower tax burden. Market performance this year is an important factor to consider if you’re thinking about a Roth conversion.

It’s also important to consider that the Tax Cut and Jobs Act lowered tax rates – and that these lower rates probably won’t be around forever. Most will see tax hikes come 2025. If you expect to pay higher taxes in the future for this reason, or others such as relocation or increased income level, a conversion now could be the move, as distributions from a traditional IRA will be taxed at those higher levels later on. This is also important to consider if you plan on passing on your retirement account to a beneficiary, as higher taxes in the future means a higher tax burden on your beneficiary.

2019 could be a good year to make the conversion. If your IRA sustained losses in the recent bout of market volatility, or you are worried about your tax burden in the future, converting to a Roth could help to minimize the damage by allowing funds more time to grow tax free, as they are not subject to RMDs or taxes if they are withdrawn. A Roth IRA could be a very valuable asset in retirement strategies for high-income earners, especially if you want to lower your tax burden or pass on tax free wealth to a loved one. Will you seize this opportunity in 2019?

Before making an important financial decision like a Roth conversion, talk to the professionals at Peak Financial Freedom Group. We can help you create a comprehensive plan that makes the most of your retirement accounts. Click here to schedule your no cost, no obligation financial review.

Important Gifts for Your Valentine

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What are you getting your spouse for Valentine’s Day this year? Flowers? Chocolates with weird fillings? How about a bigger Social Security benefit, or an insurance policy that could secure their financial future? Whatever you decide to give your loved one this Valentine’s Day, it’s also the perfect time to sit down and talk with your spouse about your future to make sure you’re both on the same page and have a solid plan in place.

For some couples, communication is an issue. It’s not always fun to have tough conversations, but when it comes to things like finances, Social Security and insurance, it’s important to have an open and honest discussion. Although sitting at a fancy restaurant on Valentine’s Day may not be the ideal time to talk about these things, you should consider setting some time aside to go over your financial plan so that you’re both on the same page when creating a retirement game plan.

Who said Social Security can’t be romantic? If you’re married, Social Security spousal benefits can be a great way to increase your joint earnings in retirement. The spousal benefit will kick in if one spouse’s benefit is less than half of the other’s. For instance, if one is entitled to $1,500 per month, and the other $400, the latter is entitled to an additional $350 per month. Usually the spouse wishing to receive the spousal benefit must be at least 62 years old and must draw their own retirement benefit first. Spousal benefits can be reduced if claimed before full retirement age. As with regular Social Security benefits, spousal benefits can be reduced is claimed before full retirement age, however, there is no upside to waiting until 70 to claim benefits.

Insurance may not seem like a romantic gift, but it could be the most practical one: Life insurance and disability insurance could save your family from a lot of anxiety in the event of your passing or becoming disabled. It’s important to discuss how much income your family would need in order to sustain its current lifestyle, and look into insurance policies that suit your particular needs. Making sure that your family will always be financially protected could be the most loving gift.

So, this Valentine’s Day, while consumers are spending $2 billion on flowers, $1.7 billion on candy and $4.3 billion on jewelry, according to the National Retail Federation, consider investing in something more impactful – you and your spouse’s future. If you get a plan together now for the lifestyle that you want to live in retirement, you can be sure that you will accomplish your retirement goals together.

At Peak Financial Freedom Group, we know that we’re not just helping you plan for you financial future, but your spouse’s and family’s as well. Let us help you create a comprehensive plan that takes all your loved ones into account. Click here to schedule your complimentary review.

Why Can’t You Rely Solely on Social Security in Retirement?

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Social Security is only designed to replace a part of a retiree’s income, and the buying power of its benefits has decreased by a third since 2000, according to a report by the Senior Citizen’s League. The cost-of-living adjustments (COLA) used to determine Social Security benefits don’t always accurately reflect seniors’ rising living expenses. And, the services retirees spend the most money on – housing and medical – have increased significantly. On top of all this, inflation can erode your savings. Since inflation rates change every year, it’s hard to estimate exactly how much income you will receive after retirement. But one thing’s for sure, you can’t solely rely on Social Security in retirement.

The best defense is relying as little as possible on Social Security. One way to help try and accomplish this is by delaying benefits: If you start receiving benefits at the earliest possible age of 62, you will receive reduced benefits. If you wait until your full retirement age, which ranges from 65 to 67 depending on the year you were born, you will receive full benefits. If you wait until 70, you receive full benefits plus an additional 32 percent. Also, one spouse can file for benefits when they are of full retirement age, and suspend payments until 70. If they are old enough to receive Social Security, the other spouse can then file for a spousal benefit. This benefit is half of the other spouse’s benefit. However, it’s always important to note that your situation is unique, you have your own personal goals, and so you must have a custom Social Security strategy that works best for you.

If you’re less comfortable relying on a lump sum nest egg rather than a steady stream of cash, an annuity could be a viable option to consider. An annuity can help provide an annual income for as long as you live, and can be transferred to a spouse when you die. It may be a good option if you think you could outlive your savings, or if your spouse will live for a long time after you pass. There are many different types of annuities, so work with a qualified financial professional to make sure you are looking at the ones best suited to your goals and unique financial situation.

Luckily, most say that the immediate existence of Social Security is not in jeopardy, as long as those over 60 remain an active voting block. Proposed legislation tends to exclude those already receiving benefits from being subject to policy changes. While Social Security can help cover expenses in your retirement, it won’t fund your pre-retirement lifestyle: The average monthly payout is about $1,372, and the maximum is about $2,788, to put it into perspective.

While the existence of Social Security isn’t in question, its actual purchasing power relative to major costs in retirement is. You may not know exactly how much income you will need after retirement, or for how many years you’ll need it. Knowing when to file and how to claim your Social Security benefits is crucial, along with determining whether additional streams of guaranteed income, such as an annuity, is right for you in planning for your retirement.

We want to help you create a solid plan for your retirement. It can be hard to know the ins and out of Social Security benefits and how to create alternative sources of income in retirement on your own. That’s why we’re here to help. Click here to schedule your no cost, no obligation financial review.

A Realistic New Year’s Resolution

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Some New Year’s resolutions are more realistic than others. A realistic goal for everyone is to make a financial calendar for the upcoming year. This should include universal deadlines such as April 15th, and dates particular to you, such as insurance renewal dates, salary raises, and financial reviews. Starting the year off with knowledge of all important financial dates for the year can help you plan ahead, and ensure you aren’t caught off guard or scheduling too many events around the same time. Here are some important dates for everyone to remember.

Q1

January 1st is the first day you contribute to traditional and Roth 401(k)s, IRAs and SEPs for the new year. It may be helpful to mark a few dates throughout the year with contributions goals. January 15th is the due date for estimated taxes from the fourth quarter of the previous year. March 31st is the last day to enroll in Medicare to start coverage on July 1st to avoid a late enrollment fee, and the last day to submit claims for eligible medical expenses from the previous year for many flexible spending accounts.

Q2

April 1st is the last day to take your first IRA required minimum distribution without a penalty. Tax day is April 15th, which is the last day to file income taxes or apply for an extension, as well as the last day to contribute to a traditional or Roth IRA and HSA for the previous year. June 15th is the two month filing extension deadline for federal taxes, which is automatically given to Americans living abroad. Estimated taxes for Q2 are due June 17th.

Q3

Estimated taxes for Q3 are due on September 16th. September 30th is the last day to determine beneficiaries after an IRA owner’s death. Extended trust and estate taxes are due October 1st.

Q4

Employers typically announce upcoming open enrollment periods to choose benefits for the next year in October. October 15th is the six-month filing extension deadline for federal taxes, the last day to undo a conversion from a traditional IRA to a Roth IRA, and the last day to contribute to an SEP IRA for the self-employed and self-business owners. There are usually many financial actions you must do by the end of the year, making it very busy and even stressful. December 31st is the last day to take RMDs from an IRA, 401(k), and inherited IRA, set up most types of retirement accounts so contributions count for the current year, and for itemized deductions, stocks, and gifts to count for taxes for the current year.

Knowing about end-of-year deadlines ahead of time can make the holiday season less stressful and more focused on family and celebration and making a financial calendar in the beginning of the year will put you in the right mindset for achieving your financial goals. We’re here to help you keep track of all things retirement. Click here to schedule your no cost, no obligation financial review and start your year off right.

Wrapping Up 2018

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While it’s easy to get caught up in the holiday spirit, running out to grab last minute gifts, baking dozens of gingerbread men and trimming your tree, don’t forget about your retirement plan. The end of the year is an important time for retires, and there’s a few things you should wrap up before it ends.

One thing that comes with the end of a year is deadlines. An important deadline that can be costly to miss is your required minimum distribution. If you’re over the age of 70 ½ and have an IRA account, you have to withdraw a set amount by the end of the year. The tax penalty can be up to 50% of the amount you were supposed to take. Avoid this penalty by taking your RMD now, don’t put it off until after the holidays.

In the spirit of the holiday, and on the topic of RMDs, you might be thinking about giving to charity and a qualified charitable distribution can be a tax-friendly way to do so. The amount of your QCD can be used towards your RMD and will not count as income, making it a tax deduction in addition to the standard deduction. This is something to consider if you were looking to donate to charity anyways.

If you haven’t retired yet, spending down your flexible spending account or FSA could be a good way to end your year. You can make pre-tax contributions into an account that can be used to pay medical expenses.  Basically, you can pay health expenses with tax-free dollars. The only issue is that you have to use it all before the year ends unless your plan allows you to carry any over. Don’t let this money disappear, figure out some way to use it in the last weeks of 2018.

Like an FSA, you could consider contributing to your health savings account. If you have a qualified high-deductible health insurance plan, you can utilize an HSA. You make pre-tax contributions into an account that you can then use to pay eligible medical costs. This differs from an FSA because you have unlimited time to pay yourself back. Until you’re retired it might be smart to pay these health costs out of pocket, but once you reach retirement, your account will have grown, and you can cover larger expenses that are bound to come up.

The best way to end the year is by sitting down with your financial advisor to wrap up your portfolio. We cover everything from investing and finances to lifestyle and estate planning. Click here to schedule your complimentary, no obligation financial review and start 2019 off right.

Evaluate Your Accounts Before Year-End

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Before the year ends, it’s important to take a look back and reflect on 2018. You can look at how your investments changed, review your portfolio and note any changes that happened in the past year that affected you financially. This can be as easy as taking 15 minutes to check-up on your portfolio and make sure that you are on the right track for 2019. By evaluating your accounts and investments before the year ends, you can be confident in your finances and feel ready to take on the new year.

You can start by checking your investments performance. Look at your retirement plans like 401(k)s and IRAs. You can go online to get your statements or look for a year-end statement in the mail. Once you have all of your paperwork, start evaluating. Compare your funds with indexes that include similar investments to yours. For example, you want to compare bond funds to bond funds, not bond funds to balanced funds.

After looking over your performance, check out the fees that you paid in 2018. A goal that many people may have for the upcoming year is to lower fees. Since there are so many options for low-cost investments available, it should be wrong to pay high percentages in fees. But it’s important to talk any changes over with your financial advisor before you make decisions.

The last step in this 15-minute investment check should be to rebalance your portfolio. If some of your investments performed great, you might be weighted too heavily in one area. Now is the time to rebalance because you never know what might happen. If something happens the market and those funds drop, you risk losing big. It’s best to keep a mix of stocks, bonds and other investments in your portfolio. If you’re approaching retirement, this balance becomes more and more important.

We want to help you create a strong financial plan that will start your 2019 off right. We will sit with you and evaluate your accounts and create a complete retirement portfolio that you can feel secure in. We will take into account your goals and resolutions for 2019 as well as your lifestyle goals for retirement and your estate plan. Click here to schedule your no cost, no obligation financial review.

Strategies to Help Survive Volatile Markets

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A volatile market can make anyone nervous, but it can be especially nerve-wracking for retirees and soon-to-be retirees who are concerned about protecting their nest egg for the long-term. And, one thing will always hold true: No one can predict the market’s ups and downs. This is why it’s important to create, no matter how positive or negative the stock market looks, a comprehensive retirement strategy that will help you survive a volatile market.

First, develop monthly income from sources other than those that rely on the stock market. This monthly income should hopefully be able to cover your living expenses. The rest of your money could be in investments that could potentially show big returns or could end up dropping if the stock market crashes. This income can be used for activities like travel or entertainment. If the market is not doing as well as you’d like, you can cut back on these bonus activities and still not worry how the bills are getting paid.

One of the best sources of guaranteed income comes from Social Security because it can withstand the stock market and inflation. It’s important to maximize this benefit so that you can have as much income each month as possible. But, because Social Security alone will likely not be enough to cover all of your expenses, you may have to look for other retirement income options to help supplement.

After your living expenses are covered, you can start planning for that extra income. There are many different stocks you can invest in and also different ways that you can get your payments. Some people choose to use a systematic withdrawal strategy while others use Required Minimum Distributions to determine their added annual income. It’s always best to talk to a financial advisor to see what options might be best for your unique situation.

Now, if you’re not yet retired but are quickly approaching retirement age, you might want to protect yourself more from a market crash. Especially if you are fully invested in a target date fund. If there is a gap between your retirement date and full retirement age, you’ll need to fund that time. Think about how you could protect yourself by investing in funds that won’t be affected by the crash. You should build up enough funds to cover the gaps for at least a few years.

We want to help you make smart financial decisions so that you are prepared for whatever the stock market brings. We will work with you to create a strong financial plan that can withstand volatility. Click here to schedule your complimentary review and strengthen your financial plan.

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Roseville, CA 95661
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All of the information presented here is provided and intended to be used for general educational and informational purposes only and is not intended as a solicitation for you to buy or sell any security or financial product. The content is developed from sources believed to be providing accurate information. None of the information presented is intended to give you specific tax, investment, real estate, legal, estate, or financial advice but rather to serve as an educational platform to deliver information. The ideas, thoughts, and strategies presented here are those of the Management Team and provide an insight to our views on Peak Financial Freedom Group, LLC. Some of this material was developed and produced by Peak Financial to provide information on a topic that may be of interest. Every detail in this website is subject to change without notice. Seminar, radio shows, TV productions, book releases, magazine and book promotions are sponsored, promoted and paid for by Peak Financial Freedom Group, LLC.

2nd Opinion Package available to Qualified Retirees and Soon-To-Be-Retirees may include free consultations, a free retirement income plan, risk analysis, and fee analysis. In addition, a comprehensive written retirement income plan may be provided to those who complete the entire process. Qualified Retirees and Soon-To-Be-Retirees must have a minimum of $500,000 of investible assets such as IRA’s, 401K’s from past employers, stocks, bonds, mutual funds, bank accounts, money markets, CD’s, etc., but DOES NOT include real estate, businesses, limited partnerships, 401K/retirement plans that can’t be moved to another plan, and other illiquid type assets.

Past performance is no indication of future performance and such information cannot be relied upon regarding future potential gains. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining market. Advisors and agents may only conduct business with residents of the states or jurisdictions in which they are properly registered or licensed and not all of the securities, products and services mentioned are available in every state or jurisdiction.

Nothing is directly or indirectly guaranteed by this information. The planning and ideas presented herein are not suitable for all individuals or situations. Hypothetical examples are used to explain concepts and are not indicative of potential results you could receive; past performance is not a guarantee of future results; and results are not indicative of any particular investment or income tax situation; your results will be different and could be lower or higher. Please consult legal or tax professionals for specific information regarding your individual situation. Peak Financial does not offer tax or legal advice. Consult your financial professional before making any investment decision.

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2019(1), 2020(2), 2021(3), 2022(4), 2023 (5) and 2024 (6) Five Star Professional Wealth Manager Award - Dan Ahmad and Jim Files have been nominated for and have won the 2019, 2020, 2021, 2022, 2023 and 2024 Five Star Wealth Manager Awards. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Once awarded, wealth managers may purchase additional profile ad space or promotional products. Award does not evaluate quality of services provided to clients. The Five Star award is not indicative of the wealth manager’s future performance. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. Award winners represent an exclusive group of wealth managers who have demonstrated excellence in their field by satisfying 10 objective selection criteria. For additional information on the Five Star award, including a complete list of the 10 objective selection criteria and their research/selection methodology, go to https://fivestarprofessional.com.

Investment advisory services are offered through Fiduciary Solutions, LLC, a California Registered Investment Advisor. Insurance products and services are offered through PFFG Insurance Agency LLC, a licensed insurance agency (CA Insurance License #0N14013). Peak Financial Freedom Group LLC is a financial planning and umbrella marketing organization, which enables the provision of multiple financial services under one brand. Peak Financial Freedom Group LLC, PFFG Insurance Agency LLC, and Fiduciary Solutions LLC are affiliated entities with common ownership and control. Jim Files is licensed as an investment adviser representative with Fiduciary Solutions LLC (CRD # 1620449) and is a licensed insurance producer with PFFG Insurance Agency LLC (CA Insurance License #0F06511). Dan Ahmad is licensed as an investment adviser representative with Fiduciary Solutions LLC (CRD # 1491561) and is a licensed insurance producer with PFFG Insurance Agency LLC (CA Insurance License #0732913).

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