Business Details
Trusted Financial Advisers in San Jose, CA
Paine Financial & Insurance Services has dedicated itself to solving employee and executive benefit challenges for over three decades. Our team leverages extensive industry expertise to deliver tailored solutions that adapt to evolving client needs. We specialize in life insurance, long-term care, group health, disability income insurance, and retirement planning services. Our approach prioritizes personalized strategies that address unique business circumstances while maintaining compliance across multiple state jurisdictions.With a focus on financial security and risk management, we serve as trusted advisors for businesses seeking comprehensive benefit programs. Our professionals hold active licenses in 11 states and maintain strict adherence to regulatory standards through FINRA-registered advisory services.
Services
Employee Benefits
Retirement Planning
Life Insurance
Disability Income Insurance
Group Health Insurance
Highlights and features
- We offer 30+ years of combined experience in employee benefits
- Our team holds active licenses in 11 states
- We provide FINRA-registered advisory services
- Customized solutions for businesses of all sizes
- Specialized expertise in multi-state compliance
Services
Employee Benefits
We design comprehensive employee benefit packages including medical, dental, and vision insurance. Our solutions accommodate businesses with 2-50 employees under California AB 1672 regulations and larger corporations requiring customized plans. We specialize in navigating state-specific compliance requirements while optimizing coverage options.
Retirement Planning
Our retirement planning services include 401(k) programs, SEP plans, and nonqualified deferred compensation strategies. We help businesses establish qualified retirement plans with tax advantages while creating personalized executive bonus programs that enhance employee retention and financial security.
Life Insurance
We offer term life insurance and long-term care policies tailored to individual and business needs. Our solutions include key person insurance, buy-sell funding arrangements, and umbrella policies that provide additional liability coverage for high-value claims.
Disability Insurance
Our disability income insurance products protect against income loss from illness or injury. We provide overhead expense coverage and customized disability buy-sell funding solutions for business owners while ensuring compliance with state-specific insurance regulations.
Executive Benefits
We develop executive compensation packages featuring deferred compensation programs and estate planning solutions. Our services include business succession strategies through ESOPs and stay bonus arrangements that align leadership incentives with company objectives.
People
Scott E. Paine
President
Scott Paine is a CLU-certified financial professional with active licenses in 11 states. He specializes in employee benefits and retirement planning while maintaining FINRA-registered advisory services in California.
Michele Quilici
Client Relationship Manager
Michele Quilici manages client relationships and coordinates benefit program implementations. She serves as primary contact for ongoing client support and policy administration.
Christine Hempler
Account Executive
Christine Hempler handles group insurance account management and benefit program consultations. She specializes in medical and dental plan comparisons for small to mid-sized businesses.
Susan Lewis
Account Manager
Susan Lewis provides dedicated account management for group benefit programs. She assists with policy renewals, coverage modifications, and compliance documentation.
Kyle Bittencurt
Benefit Administrator
Kyle Bittencurt administers benefit programs and manages day-to-day operations for group insurance policies. He supports clients with enrollment processes and policy documentation.
Questions
What employee benefit services do you offer?
We provide medical, dental, vision, life insurance, disability coverage, retirement plans, and voluntary benefits tailored to business size and needs.
Do you work with small businesses?
Yes, we specialize in group insurance for companies with 2-50 employees under California AB 1672 regulations and offer self-funded plan options.
Are you licensed in my state?
We hold active licenses in California, Arizona, Colorado, Delaware, Missouri, Nevada, New York, Ohio, Oregon, Texas, and Virginia.
How do retirement plans work?
We help establish 401(k), SEP, and profit-sharing plans with tax advantages. Employers may match contributions while employees build retirement savings pre-tax.
Can you help with executive compensation?
Yes, we design nonqualified deferred compensation programs, executive bonus plans, and business succession strategies including ESOPs and buy-sell agreements.
