Your Insurance Advocate

I've lived in Los Osos for more than 50 years, and with over 20 years of experience in the financial and insurance services industry, I specialize in helping individuals and families navigate life insurance, Medicare, health insurance, long-term care, disability income, dental/vision, and travel insurance.

I hold several professional designations, including LUTCF (Life Underwriter Training Council Fellow) and FSS (Financial Services Specialist), which reflect my commitment to providing expert advice tailored to your unique needs.

I offer services in all the Western States and beyond, which allows me to assist you and your friends or family in AZ, CA, ID, KY, NV, NM, OR, UT, WA.

As life changes, so do insurance needs. Whether it's a simple review of existing policies or a comprehensive assessment of future needs, I'm here to guide you every step of the way. Many times, it's just a matter of ensuring that beneficiaries and coverage amounts are up to date.

When you call me, you get me—not a call center, not a 1-800 number. Most people can enroll online in minutes through the tools on this site, but if you prefer talking through your options with a real person, I offer complimentary policy reviews at no cost and no obligation.

Here's something most people don't know: Whether you enroll online yourself or work with a licensed agent like me, the price is exactly the same. Insurance companies pay agents, not customers. So why not get expert guidance at no extra cost?

Most services can be completed online in minutes. Browse the options above, use the quote tools, and enroll when you're ready. If you have questions or prefer personal guidance, I'm just a phone call away.

• Contact David