Retirement Questions
​​Why It's Time to Retire the 401(k)
​"The ugly truth, is that the 401(k) is a LOUSY PRODUCT, a FINANCIAL FLOP, a ROTTEN REPOSITORY for our retirement reserves. In what must seem like a cruel joke to many, the accounts proved the most dangerous for those closest to retirement."
​The Greatest Retirement Crisis in American History
​"We are on the precipice of the greatest retirement crisis in the history of the world. We are witnessing millions of elderly Americans, the Baby Boomers and others slipping into poverty. Too frail to work, too broke to retire will be the 'new normal' for many elderly Americans."
​The 401(k) Fallout
​"The 401(k) plans that have become the primary source of retirement income for 60 million Americans were never designed to be retirement plans."
Mr. Thurmond attended USC where he received a BS in Business Administration. He also received an MBA from Pepperdine University. Mr. Thurmond has held a California real estate brokers license since 1988. He is a licensed life insurance agent; he is certified to market annuities, and consultant families with college planning and college funding strategies.

Shannon Thurmond has worked in various areas of finance and financing management including working as a Vice President for a fortune 100 company in addition to owning his own firm. He also previously worked as the President of the campus of a Southern California postsecondary career college.

Currently Shannon Thurmond enjoys helping families and businesses by sharing with them common sense strategies of improving their financial future.

Shannon has lived in Orange County, California since 1999 and is married to his college sweetheart. He is the father of four grown children and the proud grandfather of five grandchildren. He is also active in his church and community

Asset Protection

We help clients protect and preserve their finanancial future through wealth building and smart tax strategies.

Needs Analysis

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Policy Review

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Tax Efficient Options:

We specialize in numerous tax efficient financial products and strategies. We regularly review our clients’ positions to determine if we can produce the same or better results with greater tax efficiency. The tax efficient strategies we utilize include those to:

Equity-Indexed Life Insurance

Equity-Indexed Life insurance is designed to credit cash value growth based upon the performance of a stock market index with no downside market risk. This performance feature can be found in all classes of life insurance policies.

​Whole life insurance

​Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.

Equity-Indexed Annuities

Equity-indexed annuities are hybrid annuities that offer the best features of all annuities. They have the guarantees of fixed annuities, the upside potential of variable annuities and numerous carriers offer indexed annuities with income riders that secure income guarantees like an immediate annuity.

Fixed Annuities

There are hundreds of fixed annuities offered by insurance carriers. We position fixed annuities that offer either the highest yields, best rider features, or the highest liquidity with our clients. Fixed annuities are a safe money option that works very well for many of our clients.

Immediate Annuities

Immediate annuities work in very specific situations. We are always aware of the carriers that offer the highest payouts for our clients. Immediate annuity payout rates change monthly. If an immediate annuity is appropriate for a client, we will always secure the highest rate.