Business Details
27 Years
experience
Your Trusted Retirement Planning Partner in Glendale, CA
Financial Risk Management has been providing expert financial and estate planning strategies to clients in California for over two decades. Our team of licensed professionals specializes in retirement income planning, annuities, life insurance, and long-term care solutions tailored to individual needs. With offices in Glendale, Valencia, and Lancaster, we combine deep industry experience with personalized service to help clients achieve financial security.Our focus on tax-efficient strategies, guaranteed income streams, and asset protection has earned us a reputation for reliability and client-centric excellence. We prioritize transparency, ethical practices, and ongoing education through complimentary seminars to empower informed financial decisions.
Services
Retirement Income Planning
Annuities
Life Insurance
Long Term Care
Estate Planning
Details
- Year established: 1999
Highlights and features
- 20+ years of experience in retirement income planning
- Personalized strategies tailored to individual financial goals
- Licensed professionals with expertise in annuities and estate planning
- Comprehensive approach combining tax efficiency and asset protection
- Proven track record of client satisfaction and long-term relationships
What people say
Polite, courteous, helpful, honest people
Sleep well at night knowing investments are safe
Preserved wealth as promised
Professional and caring advisors
Stress-free financial management
Services
Retirement Income Planning
Our retirement income planning service creates customized strategies to ensure sustainable cash flow throughout retirement. We analyze tax implications, Social Security optimization, and market risks to build diversified portfolios. Clients receive ongoing adjustments to adapt to changing economic conditions and personal circumstances.
Annuities
We offer fixed and indexed annuities as tools for guaranteed lifetime income. Our solutions focus on tax-deferred growth, principal protection, and customizable payout options. We help clients understand annuity structures to determine optimal fit for their retirement goals.
Estate Planning
Our estate planning services protect assets and ensure efficient wealth transfer through trusts, wills, and tax mitigation strategies. We collaborate with legal professionals to create comprehensive plans that minimize probate and preserve family legacies.
Life Insurance
We provide term, whole, and universal life insurance solutions for income replacement, final expense coverage, and legacy planning. Our approach evaluates policy riders, cash value accumulation, and tax advantages to meet specific protection needs.
Long Term Care
Our long-term care solutions address rising healthcare costs through insurance products and hybrid strategies combining life insurance with care benefits. We help clients protect retirement savings from potential nursing home or in-home care expenses.
People
Adrian B. Dares
President/CEO
Licensed California Life Agent with 20+ years of experience. Specializes in retirement strategies, annuities, and estate planning. Recognized as Top Producer by multiple carriers and serves on the MDRT advisory board.
Carmen Dares
Vice President
Manages daily operations and client relations. Coordinates educational seminars and oversees financial record-keeping. Provides strategic input on business decisions with focus on client satisfaction.
Nico Jarrett
COO
Chief Operating Officer with business management certifications. Oversees day-to-day operations, policy administration, and event coordination. Ensures operational efficiency and compliance with regulatory standards.
Joseph B. McHugh
Estate Planning Attorney
Licensed attorney specializing in estate planning, trusts, and probate law. Provides legal expertise for complex asset protection strategies and intergenerational wealth transfer solutions.
John Lee
Marketing Director
Retired firefighter with 30 years of service. Focuses on retirement preservation strategies and community outreach. Brings practical perspective on long-term financial security needs.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement income planning, including tax-efficient strategies, guaranteed income solutions, Social Security optimization, and portfolio management tailored to individual risk tolerance and goals.
How do annuities work for retirement income?
Annuities provide tax-deferred growth and guaranteed lifetime income. We explain fixed and indexed options, helping clients choose based on risk preferences and income needs with no market loss exposure.
What estate planning services are available?
Our estate planning includes wills, trusts, tax mitigation strategies, and asset protection. We collaborate with legal professionals to ensure smooth wealth transfer while minimizing probate and tax implications.
Do you offer long-term care planning?
Yes, we provide long-term care insurance solutions and hybrid policies combining life insurance with care benefits to protect retirement savings from potential healthcare expenses.
Are your financial advisors licensed?
Our team holds active California insurance licenses and industry certifications. We maintain compliance with regulatory standards and ongoing professional development.
How can I attend your educational seminars?
Complimentary seminars are available monthly in Antelope Valley. Registration details appear on our website, covering topics like retirement income strategies, tax efficiency, and market trends.
