About Us
Our Story
At InsuranceKO, we provide personalized, strategic financial planning to help individuals, families, and business owners protect their assets, plan their legacy, and build a secure future. With a deep understanding of risk protection, estate planning, tax-efficient strategies, and wealth management, our approach ensures that every client has a tailored financial roadmap designed for long-term success.
With over 20 years of experience, Frank Garcia, LUTCF, CSA, RSSA®, leads our team with a commitment to integrity, trust, and strategic financial solutions. Unlike traditional advisory firms, we take a holistic approach to financial planning-helping clients with individual insurance needs, annuities, retirement strategies, business succession planning, and tax minimization techniques.
MISSION AND VISION
Faith, Stewardship, And Financial Clarity
At Frank Garcia Financial & Risk Advisors, we are called to be faithful stewards of the resources entrusted to us and to guide our clients with wisdom, integrity, and purpose. Inspired by Proverbs 3:9-10 – “Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine.” – we believe that financial planning is not just about wealth accumulation but about responsible stewardship and securing a lasting legacy for future generations.
Our mission is to shine a light on financial uncertainty, helping individuals, families, and business owners make informed, purpose-driven decisions that lead to security, stability, and prosperity. Through holistic financial strategies, we provide risk protection, Social Security optimization, business succession planning, and retirement solutions-ensuring that every decision aligns with long-term goals and biblical principles of stewardship.
As stated in Matthew 25:21, “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things.” Our commitment is to help our clients wisely manage their wealth, minimize financial risk, and prepare for the future in a way that honors their values and their faith.
At Frank Garcia Financial & Risk Advisors, we don’t just offer financial solutions—we provide guidance, clarity, and peace of mind, ensuring that every financial decision reflects sound stewardship and a legacy of faith-driven prosperity.
Let’s Build Your Financial Future with Purpose. Schedule a consultation today.
The team behind
Frank Garcia CSA, RSSA®,
Over the years, Frank has specialized in retirement and Social Security planning, earning the Certified Senior Advisor (CSA) and Registered Social Security Analyst (RSSA®) designations — a reflection of his deep expertise and dedication to helping clients make informed, future-focused decisions. Outside of work, Frank enjoys life with his wife Lori, their four children, and six grandchildren. He’s passionate about fishing, hunting, church involvement, and community service. Frank remains an active member of several professional and faith-based organizations, continuing his lifelong commitment to service, integrity, and lasting peace of mind for his clients.
Brenice Armstrong
Brenice Armstrong is Mr. Frank Garcia’s assistant, managing operations, marketing, and client support at Insurance KO. With a background as a public-school principal and charter school founder, she brings strong leadership and a passion for serving communities. A UCLA and Columbia University graduate, Brenice is originally from Los Angeles and enjoys spin classes, exploring new restaurants, and family time with her two children.
Kevin Schmidt
He 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. Kevin started the AIM Partners upon entering the financial services industry. He has guided the agency with the principal goal of making sure every client is treated well, educated thoroughly about products and always offered the most advantageous products. The Schmidt family has lived in the Temecula area for over 20 years. Kevin’s wife, Tiffany, homeschooled their three kids after years as an elementary school teacher in public schools. CA Insurance License #0D60626
Connect With Us Today
Our team is always ready to serve you with expert guidance, personalized support, and a commitment to your financial peace of mind. Let’s start the conversation — we’re here when you need us.