Business Details
45 Years
experience
Trusted Insurance & Financial Solutions in Sacramento, CA
Theodore R Young Msfs has been dedicated to empowering clients with financial security since 1981. Our mission centers on helping individuals and businesses take control of their financial futures through personalized strategies grounded in integrity and expertise. With decades of combined experience, we specialize in visualizing client needs, developing tailored plans, and protecting accumulated assets. Our team leverages advanced education, including a Masters of Science in Financial Services and Certified Financial Planner designation, to deliver solutions that align with evolving life stages. We prioritize transparency, ethical decision-making, and ongoing support to ensure clients achieve both immediate and long-term goals.As a trusted partner, we collaborate with tax and legal professionals to create holistic financial frameworks. Our commitment extends beyond transactionswe aim to be a lifelong resource for families and businesses navigating financial planning. Through community outreach and educational initiatives, we emphasize proactive preparation for future challenges. Our affiliation with New York Life Insurance Company and NYLIFE Securities LLC provides access to a broad range of products while maintaining a client-centric approach. Every recommendation is built on a foundation of trust, experience, and a deep understanding of the financial landscape.
Services
Life Insurance
Long-term Care Insurance
Disability Insurance
Income Annuities
Investment Planning
Retirement Strategies
College Savings Plans
Health Insurance
Estate Planning
Financial Consultation
Details
- Year established: 1981
Highlights and features
- We offer 40+ years of experience in financial services since 1981.
- Our team includes a Certified Financial Planner with a Masters in Financial Services.
- We provide NFL Players Association-registered financial advisory services.
- Our client-centric approach prioritizes ethical decision-making and transparency.
- We combine community outreach with personalized financial education programs.
Services
Life Insurance
Our life insurance policies protect families' financial futures through term and permanent coverage options. We help clients choose between temporary protection for short-term needs and permanent policies with tax-deferred cash value growth. These solutions address mortgage protection, college funding, and estate preservation while offering flexible access to policy values through loans.
Retirement Planning
We develop customized retirement plans using income annuities, investment portfolios, and tax-efficient strategies. Our approach considers clients' current financial status, future goals, and risk tolerance to create sustainable income streams while maximizing retirement savings growth potential through diversified investment options.
College Savings Plans
Our 529 college savings plans and cash-value life insurance solutions help families prepare for education expenses. These tax-advantaged options provide flexibility for immediate needs while preserving assets for future college costs without affecting financial aid eligibility through FAFSA considerations.
Estate Planning
We create comprehensive estate plans using life insurance and investment strategies to protect and transfer wealth efficiently. Our solutions minimize tax implications, ensure asset distribution according to clients' wishes, and provide liquidity for estate settlement needs while maintaining family financial security.
Financial Consultation
Our consultation process begins with understanding clients' financial goals through detailed assessments. We develop personalized strategies that evolve with life changes, coordinating with tax and legal professionals to ensure comprehensive planning that addresses protection, growth, and distribution of assets.
People
Theodore R. Young
Financial Advisor
Theodore R. Young, MSFS, has provided financial solutions since 1981. He holds a Masters in Financial Services from American College and serves as a Registered Player Financial Advisor with the NFL Players Association. His expertise includes retirement planning and insurance strategies.
Lori A. Shea
Client Relations Manager
Lori A. Shea joined Theodore R Young Msfs in 2004 after transitioning from healthcare to financial services. As Client Relations Manager, she coordinates community outreach programs and client education initiatives while managing administrative operations for the firm.
Questions
What types of insurance do you offer?
We provide life insurance, long-term care insurance, disability insurance, and health insurance solutions tailored to individual and business needs.
How can you help with retirement planning?
Our retirement strategies include income annuities, investment planning, and personalized programs to ensure financial security during retirement years.
Do you work with athletes and sports professionals?
Yes, we specialize in financial planning for athletes as a registered NFL Players Association financial advisor.
What financial products are available?
We offer mutual funds, IRAs, 529 college savings plans, and employer-sponsored retirement plans through NYLIFE Securities LLC.
Are your services available outside California?
We serve clients in multiple states including Arkansas, Arizona, Colorado, Florida, Texas, New York, and Washington.
