On Point Finances
Los Gatos, California

Protect what you have built.

Life insurance and retirement income planning from a local agency. Start by asking a question. You get a plain answer, and a licensed agent if you want one. No pressure either way.

Licensed in California We explain until it makes sense You decide at your own pace
Ask us anything Plain answers, no sales pitch
Answers are general information, not advice.
What we do

Three things, done carefully.

Life insurance

Term, whole life, and indexed universal life. Coverage sized to the people counting on you, explained without the jargon.

How the options differ

Retirement income

Annuities that turn part of what you have saved into a steady monthly check, so retirement has a floor under it.

How annuities work

Legacy planning

Keeping what you built in the family and passing it on the way you intend, with the paperwork done right.

How we work
How it works

A short call first. Then a real review.

1

Talk

A 15 minute call. Your questions first, ours second. You will know by the end whether we can help.

2

Review

A Personal Financial Review lays out income, expenses, what you already have, and what you want to protect.

3

Plan

Clear options from licensed carriers, side by side. You choose the fit. We handle the paperwork.

Prefer to talk to a person?

Call Monday to Friday, 9 to 5. Or leave your details above and we will call you.