My name is Toney Sebra. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times.
Despite the current volatility in the market and the elevated interest rate environment, there are still strategies that you can put in place right now to ensure that you do not run out of income and keep your money securely protected from future market downturns.
While most financial advisors are more than happy to provide you with investment tips and growth opportunities for your portfolio, few financial professionals know how to actually convert your savings into a long-term sustainable income (and protect your money) so that you can spend with confidence when you retire.
I’ve spent my career helping people create sustainable retirement income plans, secure investment strategies, and lending solutions to ensure a predictable retirement income.
After attending college at California State University, Fresno where I received a B.S. in Business Management and a minor in Finance I went to work in financial services. For over 15 years, I helped financial advisors create and implement retirement income plans for their clients using guaranteed annuity products. During that time, I learned a lot about retirement income planning strategies and solutions for retirees who wanted to build and maintain secure retirement income plans. I really care about retirement and income planning, and I think annuity products are a good choice for retirees who want certainty and security.
In 2001, I received several licenses including the Series 7, 63, and Life Insurance license. I hold several Life Insurance Licenses in different states, as well as the NMLS (Federal, California, and Utah Mortgage License). I’m also a Certified Senior Advisor. I have long been involved in community service and my church. I also served as President of Point West Rotary in 2016.
When I’m not working, I love spending time with my family. I live in Sandy, Utah with my wife, Megan, and our two children, Connor and Sonya. We like doing outdoor activities like hiking, camping, skiing, mountain biking, swimming, and water polo.
While I am currently living in Utah, through our advanced technology systems, it is possible for me to meet “face-to-face” virtually online with my clients, as well as, share computer screens so that we are all on the same page. I can show you first-hand how various income strategies may work for you and your specific goals.
I do my best to take the mystery out of annuities by answering some of the most asked questions in a simple, personalized way. All my meetings are conducted over the phone and virtually, which means you do not need to leave your home or have to visit me in my office.
Feel free to reach out to me when you are looking for your retirement planning guidance and annuity recommendations. I welcome the opportunity to help you reach your retirement goals.
Sincerely,
Toney Sebra, CSA