Straight answers, in service of your family.
I'm Rafferty Yao, a licensed financial services agent based in Southern California. I help families protect their income and plan for retirement, and I do it the way I'd want it done for my own people: honestly, in plain English, with no pressure.
Built on service, not a sales pitch.
Too many people own financial products they don't understand, or have gaps they don't know about until it's too late. That's the problem I set out to fix. My job isn't to push one company's product. It's to help you understand your options clearly, so you can make a decision you feel good about, on your timeline.
I work with Freedom Equity Group, an IMO (independent marketing organization) partnered with and backed by some of the strongest names in the financial services industry — including Peak Altitude Equity, LLC, Fidelity National Financial, and Fidelity & Guaranty Annuities & Life, to name just a few.
Our goal is simple: to help provide wealth for everyone. We do that with the Living Benefits already included with every product we offer, along with Guaranteed Lifetime Income from the leading carriers we've partnered with. That means I can match you to what actually fits, rather than fit you to what I happen to sell. If what you already have is solid, I'll tell you so. If there's a gap, I'll explain it plainly and let you decide.
The questions families bring me.
Protection
Living-benefits life insurance that can help while you're alive, not just after, plus term and permanent coverage matched to your family.
Growth & strategy
Indexed universal life (IUL), explained honestly as life insurance and not an investment, for those it actually fits.
Retirement income
401(k) and IRA rollover strategies and annuity-based income planning, so your money is built to last as long as you do.
Licensed, local, and accountable.
Rafferty Yao, CA Insurance Lic# 0N15573, based in Southern California, contracted with Freedom Equity Group. I present products only in the states where I'm properly licensed, and I present them to you personally, the same person from your first question to the day you're covered.
I also build and mentor a team of agents, because helping more families starts with helping more good people learn to do this well. If that interests you, the careers page has the honest version.