Protect your family and the retirement you're building.
Living-benefits life insurance, IUL, and annuity strategies explained in plain English. Straight answers, no pressure. Pick the path that matches where you are right now.
The Retirement Readiness Read
5 questions, about 2 minutes. Get an honest, educational read on where you stand and what to look at next. No account numbers, no obligation.
Start the readFree Policy & 401(k) Review
Send me what you have. I'll explain in plain English what it actually does, where the gaps are, and whether it still fits your goals.
Get a second set of eyesBuild a Career with Pinnacle Solutions Partners
Want purpose, flexibility, and uncapped upside? See whether a career helping families with FEG could be your fit.
Explore the opportunityKnow where you stand before you talk to anyone.
Five quick taps and I'll send back an honest, educational read on your protection and retirement-income picture. No account numbers, no pressure, no obligation.
First things first — what's your stage?
Gut answer is fine. This just sets the lens.
What's the #1 thing you want to protect?
No wrong answer. Just tells me where to start.
What do you have in place right now?
A rough picture is all I need.
Have you ever had a 401(k) or IRA from an old job?
Old accounts often have options people don't know about.
Last one — how do you like to learn this stuff?
So I send your read in a way that actually helps.
Reading your answers…
Matching the right strategies…
Your read is queued. Where should I send it?
Written by me — not an auto-generated score. Reply same-day, always within one business day.
It's on the way.
Watch your inbox — your honest, educational read lands same-day, always within one business day. No call unless you ask for one.
Your answers stay private. This is educational, not financial or insurance advice or an application.
Independent guidance, built on service.
Top-rated carriers
I work with Freedom Equity Group and the country's leading insurance carriers, so I can match you to the right product instead of pushing one company's box.
Plain-English, no pressure
You'll understand exactly what you're looking at before you decide anything. No jargon, no hard sell — same person from first question to the day you're covered.
Licensed & local
Rafferty Yao, CA Insurance Lic# 0N15573, based in Southern California. Products are offered only where I'm properly licensed and presented by me personally.
A second set of eyes on what you already have.
Send me your current life policy, 401(k) statement, or an old account from a former job. I'll explain in plain English what it actually does, where the gaps are, and whether it still fits your goals.
- Plain-English read, within one business day
- No switch, no sales pitch — just clarity
- If what you have is solid, I'll tell you so
Tell me what you have
A rough description is fine — you don't need account numbers.
Got it.
I'll review what you sent and follow up with a plain-English read, within one business day.
Guides I wrote so you can learn before you reach out.
Plain-English playbooks on the questions families ask me most. Free to read — just tell me where to send them.
The Living Benefits Guide
Why term-only can leave your family exposed, and how living-benefits coverage lets you access your policy while you're alive.
Read the guideThe 401(k) Rollover Playbook
Your options for an old 401(k), the trade-offs of market risk vs. protected strategies, and what to ask before you move anything.
Read the playbookIUL, Honestly Explained
What indexed universal life really is (it's life insurance, not an investment), who it fits, and the pros and cons in plain English.
Read the guideThe Retirement Income Guide
How to turn savings into income you won't outlive, the longevity risk most plans miss, and where annuities fit (guarantees vs. flexibility).
Read the guideCould a career helping families be your next move?
I'm building a team of people who want purpose, flexibility, and real upside — no insurance background required, full training provided. If you're driven and you like people, let's talk honestly about whether it's a fit.
- Part-time or full-time, around your life
- Mentorship and licensing support from day one
- Help families while building your own business
Start a no-pressure conversation
Tell me a little about you. I'll send the honest version — what it is, what it takes, and whether it fits.
Thanks for reaching out.
I'll follow up personally, same-day — always within one business day — with the honest rundown.