After working in the financial services business in excess of forty years I have an understanding of the needs and desires of a wide range of clients from the simplest estate plan or business insurance need to the most complex multi-generational situation. Having worked with some of the most sophisticated professionals in my business I feel that I am in a unique position to offer my counsel to all levels of client needs. With expertise in business insurance, estate planning and charitable planning coupled with formal education in those areas affords me the opportunity to share my knowledge across the broad marketplace of financial services.
We offer a unique perspective on the challenges and trends in the ever changing world of financial services.
Terry has a track record of success that spans more than four decades in the financial services industry. His experience as a producer, regional manager, wholesaler and benefits broker, as well as his past and current leadership positions, including President of the San Diego Association of Insurance and Financial Advisors and the California Association of Insurance and Financial Advisors, gives him a broad perspective on the life insurance industry. Terry is also a member of the Association of Advanced Life Underwriting (AALU) wherein he has lead the California delegation in the Annual Capitol Hill event in Washington, DC.
With the experience he has gained while working with some of the largest and most sophisticated producers in the business, he is able to bring a wealth of knowledge to his clients. Known for his honesty and integrity, Terry is always willing to go the extra mile to meet or exceed expectations.
Terry holds the Chartered Life Underwriter ( CLU), Chartered Financial Consultant (ChFC), and Chartered Advisor in Philanthropy (CAP) designations through the American College. Priding himself as a student of the business, he has never stopped learning new techniques that advance his knowledge and expertise in the business insurance, estate planning and charitable giving fields.
He holds a Bachelor of Arts degree with an emphasis on International Studies from the University of Wyoming. He spent four years on active duty and twenty two years in the Naval Reserve as an Intelligence Officer, eventually retiring as a Captain. His last assignment was as Chief of Staff for the second largest intelligence area in the United States.
He and his wife, Linda, founded a non-profit chapter of a Teen Suicide Prevention organization (Yellow Ribbon Suicide Prevention Program ) in 1997 that has reached over 350,000 middle and high school students, staff and parents and distributed over 1,000,000 Ask 4 Help! cards.
Being honesty and upholding my integrity are core values that guide my business practices.
Relationships are part of the foundation from which I build my life.
I'm always focused on the end goal: to build and preserve wealth for yourself and your family.
June 2015 – Present (2 months) 5973 Avenida Encinas #200. Carlsbad, CA 92008
Our firm specializes in working individuals and corporations regarding their wealth transfer, business succession, and executive benefits needs
November 2014 – May 2015 (7 months) Carlsbad, CA 92008
Consulting to the qualified plan market regarding fiduciary responsibility
2010 – November 2012 (2 years) Carlsbad, CA
October 2009 – July 2010 (10 months) Carlsbad, CA
April 2003 – October 2009 (6 years 7 months) Carlsbad, CA
October 2001 – March 2003 (1 year 6 months) Newport Beach, CA
April 2000 – October 2001 (1 year 7 months) Riverside, CA
September 1999 – March 2000 (7 months) Newport Beach, CA
March 1990 – September 1999 (9 years 7 months) San Diego, CA
April 1983 – March 1990 (7 years) San Diego, CA
September 1981 – March 1983 (1 year 7 months) San Diego, CA
March 1980 – September 1981 (1 year 7 months) San Diego, CA
March 1978 – March 1980 (2 years 1 month) San Diego, CA
March 1976 – March 1978 (2 years 1 month) San Diego, CA
March 1973 – March 1976 (3 years 1 month) Santa Ana, CA
May 1971 – March 1973 (1 year 11 months) San Diego, CA
Chartered Life Underwriter (CLU) – 1976, Chartered Financial Consultant (ChFC) – 1984, Chartered Advisor in Philanthropy (CAP) – 2013
BA, International Relations – 1962 – 1966
15 year member
Head of California Delegation – 2002-2003
President from 1985-1986
President from 1995-1996
Robert Cheverton Award – April 1998
NAIFA – San Diego
Awarded to an individual that demonstrates exemplary service to the life insurance business over a sustained period of time. Award named for Robert Cheverton who dedicated his entire insurance career to make the industry in San Diego a exemplary profession.
Docent on the USS Midway CV-41
As of April 15, 2016, I am a docent on the USS Midway CVC-41 along with 430 other docents who volunteer and whose job it is to entertain and educate the 1,000,000+ guests who come aboard the ship each year. This group of volunteers is what gives the USS Midway it “Midway Magic” feel. Currently on Trip Advisor, the USS Midway is the #1 attraction in San Diego, CA