Why Choose Us
Our Team
Frank Garcia, CSA, RSSA®, initiated his journey in the insurance industry in 1984, bringing a client-centered service approach from the very beginning. Understanding that client satisfaction hinges on thoroughly comprehending each individual and company’s unique needs and objectives, Frank has consistently prioritized personalized service. In 1996, he established InsuranceKO with the mission to extend his profound knowledge of the benefits landscape to business owners, ensuring they navigate the complex insurance market with confidence.
Over the years, Frank has honed his expertise in retirement planning and social security strategies, earning him the distinguished Certified Senior Advisor (CSA) and Registered Social Security Analyst (RSSA®) designations. You can click this link to visit my RSSA® site. These credentials underscore his commitment to guiding clients through making informed decisions that align with their retirement goals, leveraging a deep understanding of social security benefits and retirement planning.
Outside of his professional life, Frank is devoted to his family, including his wife Lori, their four children, and six grandchildren. An avid enthusiast of fishing and hunting, Frank also dedicates time to church activities, cherishing moments spent with family. He is an active member of several organizations, including the Orange County Financial Society, the Brea and Yorba Linda Chamber of Commerce, and the Fellowship of Companies for Christ International. Frank’s spiritual community at Crosspointe Church plays a significant role in his life, where he is an engaged member of the Prayer Group.
Frank’s extensive experience, coupled with his dedication to service and community involvement, positions him as a trusted advisor in the insurance and financial planning sectors. Clients of InsuranceKO benefit from Frank’s unique blend of industry expertise, ethical guidance, and a commitment to ensuring peace of mind in a complex marketplace.
Brenice Armstrong is the assistant to Mr. Frank Garcia. Her primary role involves running the behind-the-scenes operations, marketing, and client files for Insurance KO. She brings her extensive background and skills to the team helping to ensure things run smoothly and efficiently.
Before joining Insurance KO, Ms. Armstrong served as a public-school principal and had a strong commitment to improving the quality of life in communities, particularly those with low-income populations and people of color. Prior to her current role, she successfully launched a startup charter school in Indianapolis, Indiana; St. Louis, Missouri; and Wilmington, Delaware. These schools aimed to provide education and support to students in at-risk communities.
Originally from Los Angeles, Ms. Armstrong earned her Bachelor’s Degree in International Studies and Public Policy from UCLA. She furthered her education by obtaining a Master’s Degree in Organizational Leadership from Columbia University. In her free time, she enjoys indoor spin classes, discovering new restaurants, and spending time with her family, including her two children.
Kevin Schmidt was born and raised in Vancouver, British Columbia Canada, before relocating to Southern California, where he graduated from California State University San Marcos in 1999.
This Is Why
We Should Work Together
Holistic Financial Planning
More Than Just Investments—A Complete Strategy for Success We believe that financial security isn't just about investments—it’s about strategic planning across all areas of your financial life. From retirement and tax strategies to risk management and legacy planning, we ensure every piece of your financial puzzle works together for long-term success.
Tailored Risk Protection
Comprehensive Insurance & Wealth Protection Strategies
Protecting your future requires more than just basic coverage. We provide customized insurance solutions, annuities, and wealth preservation strategies to safeguard your assets against life’s uncertainties. Our expertise ensures you, your family, and your business are covered—no matter what happens.
Social Security & Retirement Expertise
Maximizing Your Benefits & Building Lasting Retirement Income Making the right decisions about Social Security and retirement income can mean the difference between financial confidence and uncertainty. As a Registered Social Security Analyst (RSSA®), we help you maximize your benefits while integrating a sustainable retirement strategy that aligns with your lifestyle and goals.
Business & Succession Planning
Helping Business Owners Secure Their Legacy
For entrepreneurs, business owners, and professionals, we provide strategic business succession, tax-efficient exit planning, and wealth transfer solutions. Whether you’re preparing to sell, retire, or transition leadership, we’ll help you protect your business, reduce capital gains tax, and create a seamless exit strategy.
Decades of Experience & Trusted Guidance
A Legacy of Integrity, Expertise & Client-First Service With over 20 years of experience, Frank Garcia, LUTCF, CSA, RSSA®, leads a team dedicated to putting clients first. Our commitment to honesty, transparency, and tailored solutions ensures that every financial decision you make is backed by expertise and trust.
Personalized Strategies, Not One-Size-Fits-All
Financial Solutions Built for You, Not the Masses No two financial situations are alike, which is why we create personalized financial plans based on your specific goals, risk tolerance, and life stage. Whether you're an individual, family, or business owner, we tailor our strategies to help you achieve financial independence and peace of mind.