CLIENT TESTIMONIALS What my clients say....“We are pleased with Kara’s ongoing, forward-thinking advice. She has continually andappropriately recommended changes to our financial plan in order to meet our stated goals andobjectives. The holistic approach she employed saved more than 40% on our current and futuretaxes. Her use of charitable planning helps us achieve our philanthropic goals without having togive away any control. She has greatly impacted our financial future and family legacy.”Linda Carlson, Vice President, Area Manager Umpqua BankRay Carlson, Surveyor, Ray Carlson & Associates“My husband and I dream of retirement and, like everyone, want to live a long healthy life. Karatook a holistic approach to our financial future and provided us with safety of principal for ourretirement accounts without giving up growth potential, and secured long term care coverage withno ongoing premium. I have peace of mind knowing that my husband and I have a solid plan forthe future. Kara delivered impactful, long term results and is a pleasure to deal with.”Jackie Moreira, Attorney, Law Offices of Philip H. KellyJoseph Moreira, General Manager, Team Ghilotti, Engineering Contractors“Kara asked us what we wanted in retirement and after listening to us she explained our optionsin detail and in easy to understand terms. After modeling different scenarios with her, we wereable to make well informed decisions. As a result, our assets are protected from market volatility,we reduced our taxes and generated additional retirement income! Thank you, Kara!”Dave & Darlene Puentes, Keysight Global Trade & Logistics“Kara took the time to understand the specific needs of my wife and I prior to her proposal ofproduct. She appropriately matched our needs with an insurance carrier and was patient with usas we had to make a few changes along the way. We were working on finalizing our estate plansimultaneously and Kara was able to update the ownership and beneficiary designation toaccurately reflect our trust. As a managing partner of a wealth management firm in Sausalito, Ifeel confident in referring my clients to her for their insurance related needs.”James Demmert, Managing Partner, Main St. Research, LLC.“I asked Kara to propose long term care for my wife and I. We had several meetings thatincluded general information about the coverage and she provided specific proposals for ourconsideration that included several funding alternatives. She took the time to explain all ouroptions and provided me with statistical information about claims and the financial stability of theinsurance carriers. Simultaneously, I had her review my existing life insurance policy. Heranalysis concluded that the life insurance I had was eroding and I did not even know it. Shesuggested that I surrender the policy and take the built up cash value. She provided me with aproposal for the same death benefit that I had for significantly less premium. Upon completion ofthis strategy, it gave me an influx of cash that helped me pay for my long term care policy; whichwas important to me in protecting my assets.”Jim Famini, Real Estate Broker, Vanguard Properties“I had purchased a Whole Life Insurance policy in 1990. It hadn’t been reviewed for 10 years.After meeting with Kara and discussing my insurance needs and circumstances, I was comfortablewith having her take a look and determine if my existing policy was still right for me. With Kara’sanalysis of my existing policy and recommendation, she was able to transfer me into a policy thatprovided a more efficient use of my money. I trust her expertise and knowledge and appreciatethe time she spent to improve my financial health.”Lynda Adams, Former Branch Manager & Vice President, Exchange Bank"As an attorney, my firm provides some disability insurance. However, it was obvious that in theevent I became disabled, the benefit would simply not be enough. Kara took the time tounderstand and discuss my existing insurance, unique circumstances and fluctuating income. Shewas able to negotiate with the insurance underwriter to increase my disability benefit in order togive me the best possible coverage. As a broker, she was able to offer me the most appropriatepolicy that was tailored to fit my specific needs. It made the most sense to keep what I had andsupplement the difference. In my opinion, all working individuals should have a disability policy toensure that they have the ability to continue an income stream should something happen."Mary Derner, Attorney at Law, Caulfield Law FirmWe look forward to working with you!