Always Evolving Financial & Insurance Agency
Reliable retirement income strategies you can't outlive.
Want to protect your hard-earned money and secure an income for yourself in retirement?
At Always Evolving Financial & Insurance Agency, we focus on helping retirees and pre-retirees using the following principles:
Some of your retirement savings should be safe from loss.
You should look for a reasonable rate of return**, over time.
You should look for a reasonable rate of return**, over time.
Interested in a Second Opinion?
"In 15 minutes I can tell you if I can help you, or if what you have is good."
Whether it is through our seminars, webinars, radio show, podcast, or via an in-person appointment, we’re here to help.
Let’s discuss your retirement goals. Come find out how protection and lifetime retirement income strategies may fit into your future.
About Always Evolving Insurance Agency
At Always Evolving Financial & Insurance Agency, we help retirees learn about ways to protect their savings using specific retirement income strategies.
No matter what is happening in the market or the economy, you ‘ll still need income. If the market fluctuates, which it tends to do, will that impact your retirement?
In many cases, it will. However, with the right tools as part of your strategy, you can gain a degree of safety that many other retirement income strategies would not offer. Your money can indeed be kept safe.
Always Evolving Insurance Agency
Contact Us
Phone: (866) 293-0781
Email: [email protected]
520 Broadway Suite 200
Santa Monica, CA 90401
3500 West Olive Avenue Suite 300
Burbank, CA 91505
About
Jon Loyhayem
Jon Loyhayem entered financial services at 19 and has devoted his career to helping families fiercely protect what they have built over their lifetime. He advanced quickly, becoming a manager at 21 and a senior manager at 26, well ahead of most peers who typically reach that level in their fifties. He went on to expand the company's practice, opening multiple financial service offices throughout Arizona, Michigan, and Southern California.
About
Nvard Gayanyan
At the age of 18, Nvard Gayanyan embarked on her journey in the life insurance industry, fueled by her passion for helping individuals and families secure their futures. Today, with over a decade of experience under her belt, Nvard has become an expert in the field, committed to ensuring that business owners have the proper protection they need for their families.
Why Retirees
Choose Us
Do you know what’s missing in the financial world right now? Honesty. You might hear a financial advisor say that they are working hard for you. But, how do you really know? At Always Evolving Financial & Insurance Agency, we tell it like it is. We think you deserve to know the truth about options for your money. In fact, that’s why we host complimentary webinars and seminars for pre-retirees and retirees. We want you to learn about ways to take control of what happens to your money.
People also tell us that they like working with us for another reason: we keep things simple and easy to understand. What’s the purpose of complex financial terms and retirement income strategies if you don’t know how they work? We don’t keep you in the dark. Instead, we make it our mission to make your options for protecting your retirement savings, and creating a retirement income for life, crystal clear.
Disclosure & Disclaimer
We are not affiliated with any educational or government agency. This material is for informational purposes only and is not intended to be a solicitation for or offering of any product or investment. We do not provide investment, tax, or legal advice. Always consult with your own qualified advisors regarding your individual situation. Insurance and annuity products are not suitable for everyone. They involve fees and charges, including potential surrender penalties. Optional benefits and riders may involve additional annual costs. Life insurance requires medical and often financial underwriting to qualify. Loans and withdrawals from life insurance policies reduce policy death benefits and cash values, and may cause the policy to lapse or require additional premiums to remain in-force. Annuity withdrawals are subject to ordinary income taxes, and may incur a 10% IRS penalty if taken before age 59½. Product features and availability vary by state. Fixed indexed life insurance and annuities are not direct investments in the stock market or any index. The interest credited may be linked to the performance of an external index, but the contract does not directly participate in any index or equity/fixed interest investments, nor are you buying shares in an index. Crediting is subject to limits set by the issuing company, such as caps, spreads, and participation rates. Long-term care riders on insurance or annuity products are not a replacement for traditional long-term care insurance. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing company. The offer and sale of insurance products may only occur in states where the agent is licensed and the product is approved for sale. Investment advice relating to securities may only be provided by a properly licensed individual through a licensed affiliate entity, unless otherwise exempt. Comments about past performance should not be construed as a guarantee or assurance of future results. This website may include concepts with legal, accounting, and tax implications. We do not provide specific legal or tax advice, nor do we promote, market, or recommend any tax plan or arrangement. Consult a qualified professional for guidance. No representation is made as to the accuracy or completeness of the information provided here or through any external links. Visiting this website does not create an agent-client relationship.
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