Leslie Cooper, life agent CA License # 4043851

Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life Security for Life

Looking at Tomorrow Today

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Looking at Tomorrow Today

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securing california's middle class

According to the US Census, the median household income in CA is $91,905. and can rise as high as $158,000 in some areas. With our high cost of living, this can feel like “barely making ends meet” and can make planning for the future, be it your retirement, college, or unexpected events a challenge. Too often we are not taught the ins and outs of effectively securing our futures and are oblivious to the fact that life products are the go-to strategy the wealthy use to achieve their financial goals. To maintain their favorable tax status, life insurance products cannot be categorized as “investments” but can be very effective tools for wealth accumulation, asset protection, and future income. Where, how, and IF you save will have a major impact on your future and the future of your family.

Let’s discuss options to help you achieve your goals.

Providing Financial education

I am a licensed independent life agent, not a financial or tax advisor. I do, however, aspire to help you position yourself to need a financial advisor in the future. Baby steps! I educate people on the little-known ways life insurance products can help them achieve their long-term savings and income needs. Life insurance products have their own set of IRC rules enabling you to accumulate wealth in tax-favored ways. I do not deal in securities or variable instruments, thereby avoiding market risk and potential losses. As an independent agent, I do not work for any one insurance company, I work for you and there is never a charge for my services. Representing several top carriers enables me to source the right fit for your specific needs within your budget. Let's discuss the applicability of life insurance products to your situation.

How can i help you?

deferred compensation - contributions and rollovers

Are you maximizing the benefits of your employer-sponsored retirement plan and are you clear on how those contributions will affect you in the future? How much do you need to save now to be comfortable in retirement? Have you changed jobs and left behind old 401k's, 457's, 403(b)'s, or other employer-sponsored plans? What are your options for these accounts when you retire or leave service? These are some of the many questions I can help clarify to put you on the road to financial security in retirement.

Living Benefits

Your most valuable pre-retirement asset is your ability to earn income. No worries when living benefits are included in your life policy. Your policy pays YOU if you experience a critical, chronic, or terminal illness. Living benefits can help protect your income, family, lifestyle, and savings during your working years should the worst occur. Post-retirement, living benefits can provide a cushion for unexpected medical expenses. This is coverage you can't afford to do without. Don't become the subject of a GoFundMe!

STRS/PERS Pension review

Attention public employees! Do you know when you can comfortably retire and what to expect from your pension in retirement? Do you know your "income gap", the difference between your pre-retirement and post-retirement income? This information is provided to you by the State, but taking a good hard look at it can be a daunting task. Together we can determine your needs for the future and explore ways to fill that gap!

College saving solutions

Did you know, that the value of your life insurance, retirement savings accounts, and annuities are not included in FAFSA applications? That makes these tax-favored accounts the ideal savings vehicles for college funding. The value of retirement accounts and cash value life policies can also be borrowed to cover these expenses with no tax consequences. A FPDA (flexible premium deferred annuity) allows you to benefit from tax-deferred growth while avoiding market risk. Sound complicated? Reach out if you are considering saving for your childs future.

Policy review

Do you understand your current life insurance coverage, and does it truly meet your needs? Changes in life events such as a new job, child, home, or marital status can change coverage needs. As an independent life agent, I have access to policies from multiple companies. By reviewing your current policy, you can be assured that you are getting the necessary coverage at the best rates.

Looking at Tomorrow Today

Looking at Tomorrow Today

Tax-favored Retirement Solutions and More

Tax-favored Retirement Solutions and More

Tax-favored Retirement Solutions and More

Tax-favored Retirement Solutions and More

Tax-favored Retirement Solutions and More

Tax-favored Retirement Solutions and More

securing california's middle class

Providing Financial education

How can i help you?

Preferred Carriers

I am available by appointment only

Privacy Policy

Contact Us

Security for Life

Got a quick question?

Looking at Tomorrow Today

Looking at Tomorrow Today

Tax-favored Retirement Solutions and More

securing california's middle class

Providing Financial education

How can i help you?

Preferred Carriers

I am available by appointment only

Privacy Policy

Contact Us

Security for Life

Got a quick question?

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