A Practice Built on Relationships and Perspective
Roberts & Associates is a financial and insurance advisory practice founded in Los Angeles, helping individuals, families, executives, and business owners make informed decisions about protecting, growing, and preserving their financial lives.
Relationships First, Then Strategy
We believe financial decisions are best made in the context of a long term relationship. Before we discuss products, we want to understand your circumstances, your responsibilities, and the outcomes that matter to you. Strategy follows from understanding.
Our approach is personal and unhurried. We would rather help you reach a decision you feel confident about than rush toward a transaction. The trust our clients place in us is the foundation of everything we do.
Thoughtful Insurance Design
Insurance is not a single product but a set of tools, each suited to a different purpose. Term life, permanent life, disability income, and long term care coverage each address a different kind of exposure. Our role is to help you understand which tools fit your situation and how they work together.
We do not lead with prices or promotions. We lead with understanding, because a well designed plan is the most valuable thing we can offer.
Financial Risk Management
Every financial objective carries some form of risk. Retirement income strategies face longevity and market risk. Business continuity faces the risk of losing an essential person. Estate plans face liquidity needs at the wrong moment. We help you identify where exposure exists and consider how insurance and financial products may address it.
Our recommendations depend on individual circumstances, financial goals, risk tolerance, product suitability, and the solutions available through authorized providers.
Wealth Accumulation and Preservation Together
Many advisors focus on either accumulation or protection. We believe the two belong in the same conversation. How you grow your assets shapes how you will protect them, and how you protect them shapes what you are able to preserve for the people and causes you care about.
Whether the topic is cash value within eligible permanent policies, annuities for retirement income, or estate liquidity, we help you see the connections so each decision supports the others.
Long Term Relationships
A plan that fits today may not fit tomorrow. Marriages, businesses, career changes, tax law revisions, and the simple passage of time all reshape what you need. We stay engaged over the years, revisiting your strategy so it continues to reflect your current life and financial situation.
Rooted in Los Angeles. Serving clients nationwide, subject to applicable state licensing and product authorization.