Uncommon Solutions for Exceptional People.
Sophisticated insurance and financial strategies for individuals, families, executives, and business owners, guided by more than four decades of professional experience.
Four Decades of Perspective. A Personal Approach.
Todd Roberts brings more than four decades of professional experience to his work and has seen firsthand the enduring value of proper planning. Even more important is why he does what he does. Over the course of his career, he has observed individuals and business owners making critical financial decisions without having the full picture available to them. As a result, when reviewing their financial lives, they are often not positioned as effectively as they could be.
He frequently discovers retirement strategies that do not adequately address retirement income, business agreements that have gone unreviewed for years, estate plans that have grown outdated following tax law changes, and wills or trusts that no longer reflect current family circumstances. Uncovering these overlooked gaps helps clients improve tax efficiency, structure retirement income more effectively, and reduce avoidable risk. Todd guides clients in evaluating their risk management needs and implementing strategies designed to protect financial security and support long term planning.
“The Road to Financial Independence is paved with Diversity”
Three Core Areas of Expertise
We organize our practice around the outcomes our clients care about most: defending what they have built, growing it responsibly, and preserving it for what comes next.
Protect
Life insurance, disability income protection, long term care insurance, and business risk management designed to defend what you have built.
- Life Insurance
- Disability Income Insurance
- Long Term Care Insurance
- Business Risk Management
Grow
Wealth accumulation, annuities, retirement income strategies, and appropriate financial growth solutions aligned with your time horizon and risk tolerance.
- Wealth Accumulation Strategies
- Annuities and Retirement Income
- Retirement Income Planning
- Financial Growth Solutions
Preserve
Estate liquidity, wealth transfer, legacy planning, and business succession strategies designed to carry your intentions forward.
- Estate Liquidity Planning
- Irrevocable Life Insurance Trusts
- Business Succession Insurance
- Wealth Transfer and Legacy
Financial Security Is More Than Protection. It's a Strategy.
Sophisticated financial planning considers protection, growth opportunities, retirement income, and preservation together. A decision made in one area quietly shapes the others. Our role is to help you see those connections and act on them with confidence.
For more than four decades, Roberts & Associates has helped individuals, families, and business owners in Beverly Hills and across Greater Los Angeles consider how insurance and financial products may support their long term objectives.
A Thoughtful Approach to Protecting and Growing Your Financial Future
Beyond individual policies, we help coordinate the strategies that connect insurance, retirement income, and legacy planning into one coherent picture.
Estate Liquidity
Life insurance structured to provide cash for expenses, obligations, and estate settlement when it is needed most.
Learn MoreRetirement Income
Annuities and income strategies designed to help convert a lifetime of accumulation into dependable retirement income.
Learn MoreBusiness Succession
Insurance funded buy sell agreements and continuity plans that protect ownership transitions.
Learn MoreKey Person Protection
Business owned coverage designed to help manage the financial impact of losing an essential owner or employee.
Learn MoreExecutive Benefits
Supplemental benefits and retention strategies that align executive protection with business goals.
Learn MoreWealth Accumulation
Cash value strategies, annuities, and growth solutions matched to your time horizon and risk tolerance.
Learn MoreClients Who Value Thoughtful Guidance
Individuals and Families
Households seeking to protect income, plan for retirement, and preserve assets across generations with thoughtful, coordinated guidance.
Business Owners and Entrepreneurs
Owners who need continuity protection, succession planning, and executive benefits that align with the long term health of their enterprise.
Corporate Executives
Senior leaders managing concentrated compensation, deferred arrangements, and benefit gaps that employer sponsored plans may not fully address.
High Income Professionals
Physicians, attorneys, and specialists whose earning capacity is their most valuable asset and their most significant exposure.
Affluent Families
Families coordinating insurance, wealth transfer, and legacy objectives across multiple generations and interconnected planning disciplines.
A Five Step Advisory Process
Thoughtful planning is a conversation, not a transaction. These steps keep your strategy anchored to your circumstances.
Discovery
We begin by listening. A thorough discovery conversation clarifies your circumstances, responsibilities, priorities, and the outcomes you hope to achieve.
Risk Assessment
We review your existing coverage, financial obligations, and potential gaps. The goal is to understand where exposure exists before recommending a direction.
Strategy Design
We consider strategies and product categories suited to your objectives, risk tolerance, and the solutions available through authorized providers.
Implementation
When you choose a direction, we manage the practical steps of putting coverage or strategies in place, coordinating with your other advisors where helpful.
Periodic Review
Circumstances change. We revisit your strategy over time so coverage and planning continue to reflect your current life and financial situation.
Rooted in Los Angeles. Serving Clients Nationwide.
Beverly Hills and Greater Los Angeles are our primary markets. We also serve clients across the country, subject to applicable state licensing and product authorization.