HELPING BUILD & PROTECT WEALTH

Since 1986, Grodin Financial & Insurance Services has specialized in personal, estate, and small business financial planning. Our process is specifically designed to maximize your wealth and help achieve financial security for you, your family, or your small business. Whether you are an individual, family, or small business, you need the personal financial engineering process to help you achieve your ideal financial plan to:

  • Minimize financial risk as your wealth is created, managed, and distributed.
  • Reduce or minimize your income taxes.
  • Conserve and properly distribute your wealth.
  • Plan for college funding, special needs, long term care, or disability.
  • Assist with small business planning and insurance needs.

WHY US?

WHEN IT COMES TO PLANNING, WE COMPETE WITH THE BEST.

There are other financial service firms out there. Are we any different? We think so. The difference is not in the products we offer. All licensed representatives offer insurance and investments.

So what makes us different?

We believe we are different because we:

  • Listen to you.
  • Use a team approach.
  • Plan for you as an individual.
  • Respond to your questions and concerns in a timely manner.
  • Provide service, service, and more service.

“We at GFS hold ourselves to the highest ethical standards. We don’t hold these standards because we are forced to, but because we require it of ourselves. Clients who trust us with their confidence deserve nothing less.”

We also have traits that other, larger companies may not. Each member of GFS holds industry-specific education and designations. We are here to serve you with:

Trust—Honest and open relations are our trademark. We try to merit your trust by continually earning it.

Knowledge— We have more than 20 years of experience providing comprehensive financial strategies for clients in all stages of life and business. We know financial products and markets, and we can access a broad range of cost-effective solutions.

Reliablity — We help make sure that your plan stays on course toward stated goals by helping you make smart adjustments that reflect changing circumstances and new opportunities.

Teamwork — GFS works with your other advisors, brokers, attorneys, or CPAs to implement your plan and measure results.

The client is free to implement the plan recommendations with whomever he/she chooses.

Grodin Financial & Insurance Services is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.

WHAT WE DO

STRATEGY

Our industry experience allow us to offer clients industry-leading products. However, the most important thing we bring to our clients is a process that allows us to help clients understand their situation and develop an effective approach designed to help maximize their potential.

We have helped many clients see their current situation and understand how they can meet and exceed their current goals.

 

THREE PHASES OF WEALTH

Accumulation Distribution Conservation

Accumulation

In the wealth accumulation phase, your earned income is saved for both current and future needs and desires. While in this phase, many wealth-eroding factors could interfere and prevent you from trying to build the maximum wealth possible. The factors and problems you may face are…

Problems

• Cash Flow Shortage

• Debt

• Increasing Taxes

• Income Taxes

• Inflation

• Market Fluctuations

• Interest Rate Changes

• Lawsuits

• Lost Opportunity Costs

• Fees & Charges

• Loan Interest and More

 

Some of these problems could be accentuated by utilizing certain traditional financial strategies such as compounding interest, dividend and capital gain reinvestment, tax deferred retirement plans such as an IRA, 401(k), prepaying mortgages, saving money for college education and many others. While many of these strategies may have advantages, they may also have disadvantages that you may not be aware of.

Using the PS&G Model® and Wealth In Motion® software, we will assist you in measuring and coordinating the financial decisions to help you solve these problems.

Our primary objective is to provide you with strategies to help you minimize problems and protect and grow your wealth to meet your financial goals.

Our objectives are to help you:

• Reduce Income Taxes

• Reduce Market Risks

• Reduce Debt

• Improve Cash Flow

• Avoid Lost Opportunity Costs

• Increase Rates of Return

• Increase Protection from:

• Lawsuit

• Death

• Disability

• Fully Control Assets

• Eliminate Unnecessary Fees, Costs and Charges

CRN201603-141563

Wealth Distribution

During the wealth distribution phase, some people no longer work and earn an income. They are usually in retirement and their assets are now producing the income for them to live on. Serious financial issues could potentially derail ones retirement if strategies are not designed to work under fluctuating economic conditions and help solve the problems that may arise…

Problems:

• Income Taxes

• Increasing Taxes

• Interest Rate Changes

• Market Fluctuations

• Inflation

• Health Impairment

• Penalties

• Lost Opportunity Costs

• Lawsuits and More…

Failing to design distribution strategies that work under fluctuating economic conditions may lead to a financial life controlled by the economic environment around you. We believe your distribution strategies should be protected during fluctuations in the economic environment, such as increasing income taxes, low interest rates, a volatile stock market etc.…

Our objective is to provide you with strategies and solutions to help you protect what’s important to you. Together we will work on achieving the following objectives…

Our objectives are to help you:

• Reduce Income Taxes

• Reduce Market Risks

• Minimize Financial Risk

• Avoid Lost Opportunity Costs

• Reduce or Avoid Penalties or Charges

• Reduce or Avoid Restrictions and Loss of Control of Assets

• Provide Long Term Financial Security and More…

CRN201603-141471

Wealth Conservation

During the wealth conservation phase, the major concern for most individuals is how to efficiently and effectively pass on their wealth to future generations and charities. Many pitfalls can arise that prevent the smooth and effective transition of wealth to the next generation. Some of the problems you and your estate may encounter include…

Problems:

• Estate Taxes

• Income Taxes

• Complex Estate Plans

• Irrevocable Decisions

• Lost Opportunity Costs

• Restrictions

• Penalties

• Market Fluctuations

• Forced Sale of Assets

• Life Mortality

• Lawsuits and more…

Without wealth conservation strategies, large estates could dramatically be reduced by estate taxes, income taxes, legal fees, accounting fees, appraisals, penalties, sales charges and forced sale of assets. In these instances, there can be tremendous frustration and distress to already grieving heirs.

We can help provide solutions for a smooth and efficient transition of wealth, minimizing erosion and maximizing the potential to have control and enjoyment of assets. Working closely with you and your other advisors, we strive to help you achieve your financial goals with estate strategies that accomplish the objectives you believe to be most important for you and your family.

Our objectives are to help you:

• Pass Estate in Full to Heirs

• Reduce Income taxes

• Minimize Estate Taxes

• Simplify Estate Plan

• Avoid Irrevocable Decisions

• Reduce Market Risks

• Avoid Lost Opportunity Costs

• Avoid Penalties or Charges

• Control Assets

• Fulfill Charitable Bequests and more

 

WHAT LEAP® MEANS

Lifetime Economic Acceleration Process™

Lifetime

LEAP views your financial process as an ongoing lifetime experience.
LEAP uses a comprehensive or holistic approach.

Economic

LEAP seeks to make your money productive and efficient which may potentially increase its performance over time.

Acceleration

LEAP allows your money to have the potential to achieve an accelerated rate of return by using a unique financial process.

Process

LEAP organizes and coordinates your money decisions into a financial model that is easy to follow and understand.

 

We employ the Lifetime Economic Acceleration Process (LEAP) to assist clients in analyzing the efficient use of their cash flows as part of our insurance planning practice. The LEAP process can help clients better understand their protection, savings and growth objectives and identify existing resources to fund the products that can help them meet those objectives.

It is important to note that the LEAP process is not intended to and will not provide clients with a comprehensive financial plan, nor does it make recommendations regarding the purchase, sale or holding of variable products, mutual funds or other securities.

OBJECTIVES OF LEAP®

• To increase the amount of money you will have over your lifetime
• To reduce your income taxes
• To give you better access to your money
• To lower your financial costs
• To provide total needs-based and value-based insurance protection
• To lower your financial risk
• To give you a better understanding of how your money is working for you
• To provide organization of your financial documents
• To provide a verifiable financial process

 

WHY DO YOU NEED LEAP®?

We live in a world of complexity and rapid change

Keeping up in a changing world is difficult. Of the many money decisions that you must make, knowing which are appropriate is not easy. Information overload can lead to financial paralysis. You probably lack the time to properly research all aspects of your money decisions.

How it helps: The LEAP SYSTEM® helps you cope with these changes by providing easy to understand and easy to follow financial models.

Government is constantly changing the tax laws

Changing tax laws make it difficult for the consumer to plan easily and successfully. The tax laws have become more and more complicated. How it helps: The Leap System®can help you reduce your income taxes over your lifetime by providing tax strategies designed to simplify your financial life.

Stock market fluctuations and risk

The stock market fluctuates up and down. It moves in cycles. A problem can exist when you need your money in a down cycle and your stocks have declined in value. Timing is important, but it cannot be controlled. How it helps: LEAP seeks to help you achieve “High Reward with Low Risk” through its unique “flow of money” concept.

Misinformation contained within the media

Misleading information regarding insurance and financial products and strategies is prevalent on the internet and in financial magazines, financial “How To” books and sales literature. How it helps: The LEAP SYSTEM explains how many money strategies and products being advertised and promoted today may become hazardous to your wealth and protection goals. We will help you select the appropriate products and strategies tailored to help meet your individual needs, wants, and desires.

We employ the Lifetime Economic Acceleration Process (LEAP) to assist clients in analyzing the efficient use of their cash flows as part of our insurance planning practice. The LEAP process can help clients better understand their protection, savings and growth objectives and identify existing resources to fund the products that can help them meet those objectives.

It is important to note that the LEAP process is not intended to and will not provide clients with a comprehensive financial plan, nor does it make recommendations regarding the purchase, sale or holding of variable products, mutual funds or other securities.

STRATEGIES AND PRODUCTS

There are many advantages and disadvantages of each strategy or product listed below. You deserve a complete and comprehensive evaluation of these strategies and products in order to assess their value to you and your family. What you may not be aware of is that you could unnecessarily be losing a significant amount of money and protection over your lifetime if the strategies and products listed below are not properly coordinated and integrated to enhance the advantages and minimize the disadvantages.

Through a comprehensive LEAP® evaluation these financial strategies and products will be shown either to be appropriate or inappropriate in your own financial situation.

STRATEGIES PRODUCTS
Taxable Compound Interest Series E/EE Bonds
Dollar Cost Averaging Non-matched Retirement Account
Buy Term and Invest the Difference 15-Year Mortgages
Prepaying a Mortgage Credit Card Debt
Low Deductible on Insurance 10, 20, or 30-Year Term Life Policies
Tax Deferral Strategies Long-Term Investing
Dividend & Capital Gain Reinvestment Survivorship Life Insurance
Buy Term and Invest the Difference Low Yielding Savings Accounts

 

Click here to see how one of the strategies listed above may be problematic for your wealth building process.

THE PS&G MODEL®

You probably own a variety of financial products and have made many financial decisions. Each product and financial decision most likely has been made individually and without much thought of integrating them into a skillfully coordinated and efficient strategy. Without a financial model to assess, evaluate or measure each financial decision, your money may become uncoordinated, inefficient and unproductive.

Get your financial life organized…

LEAP® has built the PS&G Model. It is a financial model that contains all aspects of your financial life. It provides you with a full view of your financial situation categorized into three components of Protection, Savings, and Growth, which makes it easy to understand and follow. You can participate in the evaluation process by having this unique tool available to you.

Educate yourself…

An educated consumer is always in a better position than one who is unsure and insecure about the money decisions they are forced to make in life. The PS&G Model provides you with a tool to measure and coordinate each money decision with the purpose of achieving financial independence. As a Leap System® licensed professional, we will show you how to use this model to measure and compare financial decisions you make in order to show the one that you feel is most appropriate.

We employ the Lifetime Economic Acceleration Process (LEAP) to assist clients in analyzing the efficient use of their cash flows as part of our insurance planning practice. The LEAP process can help clients better understand their protection, savings and growth objectives and identify existing resources to fund the products that can help them meet those objectives.

It is important to note that the LEAP process is not intended to and will not provide clients with a comprehensive financial plan, nor does it make recommendations regarding the purchase, sale or holding of variable products, mutual funds or other securities.

BENEFITS OF USING THE PS&G MODEL®

Coordinated When coordinated, your assets work together harmoniously
Integrated When integrated, they provide for a potential increase in money supply and benefits
Based on facts The Model helps you evaluate your situation
Needs & Value based With the Model, you may be less vulnerable to making decisions based on opinion or sales hype. Money decisions are now strictly needs and value based
Implemented The Model helps provide a method for your money decisions to be easily and automatically implemented
Organized The Model will help you visualize how all your assets are working and at the same time provide an organized filing system
Accessible Your money and assets will be more in your own control which leads to making intelligent financial decisions

 

We employ the Lifetime Economic Acceleration Process (LEAP) to assist clients in analyzing the efficient use of their cash flows as part of our insurance planning practice. The LEAP process can help clients better understand their protection, savings and growth objectives and identify existing resources to fund the products that can help them meet those objectives.

It is important to note that the LEAP process is not intended to and will not provide clients with a comprehensive financial plan, nor does it make recommendations regarding the purchase, sale or holding of variable products, mutual funds or other securities.

ALTERNATIVES TO LEAP®

What are your alternatives to LEAP? Your financial life may well be managed by one of the four alternatives listed below. Let’s look at each one of the alternatives and see if they are what you really want and need.

Alternative #1 – No Planning

By doing no planning at all, it may lead to financial difficulties and even financial disarray. To do no planning may cause people to lose control over their financial lives and become vulnerable to the events and circumstances that surround them. The no planning alternative usually produces very little chance of having financial independence at any point in one’s life.

Alternative #2 – Occasional Planning

Occasional planning tends to result in putting things off and to always be one or two steps behind, never quite having enough money or having it in the right place. Do you feel this way? People who do occasional planning are usually part of a “do-it-yourself” mindset that tends not to seek professional financial advice. Occasional planning may produce a financial life filled with inefficiency and lost opportunity costs.

Alternative #3 – Single Need Planning

Many people wait until they are forced to make financial decisions. Single need planning focuses on planning for only one financial need at a time. Usually, this planning does not take place until after the need appears and becomes obvious. Single need planning tends to be maintenance based just to cover the need. Psychologists have written that human needs can never truly be satisfied, for once a need is met, a new need takes its place. Therefore, single need planning may lead to ongoing frustration and disappointment.

Alternative #4 – Financial Planning

Financial planning is a process that is heavily mathematical and requires a significant amount of number crunching. Financial planning focuses on establishing several needs and goals and plotting a course of action to satisfy them. Financial planning typically uses fixed assumptions for taxes, rates-of-return, inflation, time, and other variables as determinants for the outcome of the plan. Since the world in which we live is changing, the fixed assumptions are difficult to predict and need constant updating and review.

 

We employ the Lifetime Economic Acceleration Process (LEAP) to assist clients in analyzing the efficient use of their cash flows as part of our insurance planning practice. The LEAP process can help clients better understand their protection, savings and growth objectives and identify existing resources to fund the products that can help them meet those objectives.

It is important to note that the LEAP process is not intended to and will not provide clients with a comprehensive financial plan, nor does it make recommendations regarding the purchase, sale or holding of variable products, mutual funds or other securities.

THE COST OF LEAP® EVALUATIONS

In order to be introduced to the Leap System® and have a financial consultation, there is NO FEE, NO CHARGE, and NO OBLIGATION. It is easy, enjoyable, and fun. Everyone should have the opportunity to see if they can improve upon their financial position without any up-front costs or charges. In our experience, we found that Americans want the kind of relationship with their financial representative that entails no pressure, no sales hype, no fees, and no predetermined glossy boiler-plated reports. They want an accurate and honest appraisal of their financial situation that is comprehensive and uses a macro-financial model. They also want to participate in the planning and wealth building process. LEAP is made available to you only through a licensed user. Those licensed to use the system are professionals who are confident that the system has the potential to improve upon and protect your wealth building objectives.

Then how do they get compensated?

Leap System licensed professionals provide a valuable service. If you decide to implement any part of your financial program, or need a particular financial product to meet your needs, wants and desires, your financial professional can offer you these various financial products and services. They are compensated by commission from the financial institutions with which they are affiliated, based upon the product(s) you need or want to implement in your desired strategy. Since there is no obligation, you may or may not select a financial product through your Leap System licensed professional. Their process focuses on wealth building and protection and does not focus on any one particular product. Countless consumers are now using the Leap System and have found it to be beneficial in their financial lives.

We employ the Lifetime Economic Acceleration Process (LEAP) to assist clients in analyzing the efficient use of their cash flows as part of our insurance planning practice. The LEAP process can help clients better understand their protection, savings and growth objectives and identify existing resources to fund the products that can help them meet those objectives.

It is important to note that the LEAP process is not intended to and will not provide clients with a comprehensive financial plan, nor does it make recommendations regarding the purchase, sale or holding of variable products, mutual funds or other securities.

GLOSSARY

Definitions of select terms as used in the LEAP process

A

B

C

Coordination The financial relationship between one asset and another.

D

E

Enjoyment of Wealth The spending of one’s assets for needs, wants, or desires.

External Design The study of the efficient and effective flow of money into and out of the assets a person owns within the PS&G Model®.

Economic Life Value The economic worth of a person generally associated with the ability to earn income and produce assets over a future period of time.

F

G

H

I

Ideal Strategy The strategy using the same assumptions of the client’s present financial position, but without taxes or inflation.

Increase in Money Supply The difference between the amounts of money one will have in one specific financial strategy compared to another.

Integration The movement of money from one asset to another that seeks increases in the future money supply and provides additional protection benefits.

Internal Design Selecting and structuring any given financial product or service to work more efficiently and/or more effectively.

J

K

L

LEAP® The Lifetime Economic Acceleration Process™, which forms the word “LEAP” as an acronym.

Lost Opportunity Cost In LEAP, it is the amount of money that is spent and lost by an individual as a result of owning a particular asset or by using a particular financial strategy.

M

Macro-Financial The study of the overall aspects of all financial elements in a personal economic model.

Macro-Manager A person who uses a holistic strategic approach versus one who uses a linear single-need approach.

N

No Additional Out-of-Pocket Outlay Not having to outlay any additional money from earned income beyond what one is currently spending.

No Additional Risk Not adding more financial risk to one’s overall current risk tolerance. The intent of LEAP® strategies is to maintain or reduce financial risk.

O

P

Performance Beyond Needs and Goals A philosophy that one should not stop building additional financial assets just because one is on target or has already met their stated financial needs and goals.

PS&G Model® A diagram that contains all financial products and strategies related to Protection, Savings, and Growth that are positioned in a hierarchical value structure.

PS&G Model Strategy Worksheet A worksheet showing the PS&G Model where internal, external, and coordination design functions are performed.

PS&G Model Present Financial Position The current state of one’s personal financial situation.

Q

R

S

T

U

V

W

Wealth Building The financial process designed to obtain an increase in assets and benefits over a period of time.

Wealth Conservation The financial structure used to protect one’s assets from erosion due to income taxes, estate taxes, lawsuit, market declines, illiquidity, disability, illness, and other financial problems.

Wealth DistributionThe transfer of one’s wealth to oneself or others so it can be spent and enjoyed for personal needs, wants, and desires.

X

Y

Z

 

We employ the Lifetime Economic Acceleration Process (LEAP) to assist clients in analyzing the efficient use of their cash flows as part of our insurance planning practice. The LEAP process can help clients better understand their protection, savings and growth objectives and identify existing resources to fund the products that can help them meet those objectives.

It is important to note that the LEAP process is not intended to and will not provide clients with a comprehensive financial plan, nor does it make recommendations regarding the purchase, sale or holding of variable products, mutual funds or other securities.

LICENSES

Our Financial Services Representatives combine their education in financial services with their knowledge of the ever-changing insurance industry landscape to provide you with solutions for your unique situation. All Financial Services Representatives must pass comprehensive exams to obtain a license to sell products in your state.

Our offices are licensed to sell insurance products in the following jurisdictions:

California, Nevada, Oregon, Montana, Massachusetts, New Jersey, Texas, Colorado

David Grodin, domiciled in California – CA Insurance license #0F38292
Mary Grodin, domiciled in California – CA Insurance license #0714225
Matthew Dennis, domiciled in California – CA Insurance license #0J20953
Samuel Oceguera, domiciled in California – CA Insurance license #OF83579
Eric Gross, domiciled in California – CA Insurance license #0G48164
Sophia Liou, domiciled in California – CA Insurance license #0I43686
Christian Whitehead, domiciled in California – CA Insurance license #0J13645

We also have agents licensed to sell securities in the following jurisdictions:

California, Washington, Oregon, Texas, Montana, Colorado, District of Columbia, Florida, Maryland, New York, Pennsylvania

We cannot communicate with, nor respond to, requests from customers who reside in jurisdictions where we are not licensed to conduct insurance and/or securities business.

Check the background of MML Investors Services, LLC on FINRA’s BrokerCheck.