FTG Financial gives you access to the creative tools, non-traditional strategies, and institutional-grade products that generate more income, more opportunities, and more assets — on your terms.
Most people follow the same script: 401(k), term life, hope for the best. That script was written by institutions that benefit from your passivity. Here's what changes when you stop following it.
We don't sell products. We architect financial structures using every tool available — including ones most advisors never mention.
We start with where you are — income, assets, protection gaps, and goals — before recommending a single product.
Using non-traditional tools — living benefits, hybrid annuities, premium financing — we build a strategy that works on multiple dimensions simultaneously.
We place the right products, review your plan as life changes, and stay in your corner as your financial architect — not a one-time transaction.
We work with three distinct client types. Each gets a strategy built for their situation — not a generic plan.
Key person coverage, buy-sell agreements, executive bonus plans, and premium financing strategies that protect your business and build tax-advantaged wealth simultaneously.
Start Application →Premium financing, 401(k) conversions to guaranteed lifetime income, hybrid annuities — the tools that sophisticated investors use to grow wealth without conventional risk.
Start Application →Modern life insurance that pays when you're alive and in crisis — not just at death. Income protection, legacy planning, and financial literacy built around your family's future.
Start Application →Every strategy is non-traditional by design — built to give you access, flexibility, and security that standard financial products don't offer.
Non-traditional wealth structures using premium financing and alternative asset tools.
Access your death benefit today upon a qualifying critical, chronic, or terminal illness.
Guaranteed lifetime income with market upside and complete downside protection.
Convert 401(k)s and IRAs into permanent, tax-advantaged lifetime income streams.
Bespoke life insurance engineered to replace income and protect your legacy.
Guaranteed growth and retirement income in a world where pensions have disappeared.
Dismantling the myths that keep most people from building real, lasting wealth.
Transfer your wealth on your terms — not the government's.
Traditional life insurance pays out when you die. Living Benefits change that — giving you access to a portion of your policy's face value today, with no repayment required, when you experience a qualifying health event.
It's not a loan. It's your money. Available when you need it most.
No repayment. No reimbursement. Funds released upon a qualifying event.
Heart attack, stroke, invasive cancer
Inability to perform 2+ daily activities
Life expectancy under 24 months
Severe burns, traumatic brain injury
"Had a stroke at 54. My living benefit rider paid out $225,000 within 30 days. I kept my policy. My family kept their security."Policy Holder — California
Converted $380K in a 401(k) into $2,800/month of guaranteed lifetime income — completely shielded from market exposure.
Used premium financing to fund a $2M policy with minimal out-of-pocket. The cash value growth has outperformed my brokerage account every year since.
I didn't even know living benefits existed. Now I have protection that pays while I'm alive — and my family is covered if I'm not.
*Illustrative outcomes. Individual results vary based on policy type, health classification, and financial situation.
We work with a select number of clients to ensure every strategy gets the attention it deserves. Complete the short application — we'll review it personally and reach out within one business day.
FTG Financial & Insurance Services, LLC
3333 Michelson Dr. Suite 300, Irvine, CA 92612
CA License: 6010787 | (949) 346-4434
5 minutes. No SSN or financial details required.
Thank you. We'll review your details and reach out within one business day to schedule your strategy session.
The step-by-step process of converting a 401(k) into a self-made pension that pays for life.
Read Strategy →The most dangerous misconceptions about life insurance — and what the truth actually looks like.
Read Analysis →Standard financial advice was designed for the average person. Here's what a three-dimensional approach changes.
Read Analysis →The application takes 5 minutes. We'll do the rest — bringing a custom strategy designed around your situation, not a generic plan.
Apply Now — It's Free →