Our 40+ years of experience in Retirement & Financial Planning has taught us many things and allowed us to help countless clients. Whether you are just beginning to prepare for retirement or you are in the midst of retirement and think it is too late to take action, we would love to help. As an independent, non-fee based financial consultant, I am committed to doing what is best for my clients, exempt from any bias to a particular insurance or investment product.
Retirement seems even further away when you can’t afford it. While there are more and more baby-boomer retirees leaving the workforce everyday, we are still seeing the average age of retirement increase due to recent financial recessions and countless dollars of retirement savings being lost. With medical technologies improving as they are, the influx of retirees we are seeing will live longer than any previous generation in retirement years. These simple facts make the importance of proper retirement income planning and long term care planning, that much more significant and vital to your golden years.
While there are many areas of financial planning we have experience in, our specialties and focus are on Life Insurance, Annuities, Medicare, and Long Term Care Planning. All of the aforementioned play a separate yet integral part of proper retirement planning and it is never to early to discuss a plan for you! See the services page for more specific details on each focus.
Long Term Care
About Randy Krug
Randall A. Krug, LUTCF, is an Award Winning Insurance agent and retirement planner that has been licensed in the states of California, Arizona, and Oregon for 40 plus years. He is the proud father of 2 children, and an even prouder grandfather of 10 grandchildren putting family at the forefront of his values. After attending Long Beach State University, Randall started out his career with John Hancock and spent 15 years with them. After realizing the potential and true justice he could provide his clients if Independent, Randall decided to leave John Hancock and start Krug Financial Services. Residing in Laguna Niguel for the last 19 years, Randall has established his trustworthy reputation both locally and throughout the West Coast and he is still continuing to do so. Helping others plan for their future has and continues to be one of the guiding lights and motivations in Randall’s life.