Policy Review

Torrey Pines Financial specializes in comprehensive policy review and analysis. As you age or have policies in force for long periods of time, reviewing them annually or semi-annually is essential to determine if those policies are still meeting your investment or insurance objectives. 

We use our 30 years of experience combined with the most up to date benchmarking data to help educate you on your current policies and inform you of areas that can be improved upon.  Simply upload the applicable documents and let our team of professionals go to work, giving you the peace of mind that the products and services you have in place are still setting you up for success in the future. ​

Life Insurance Policy Review

We understand that your needs continuously change, that is why we review Life Insurance policies for a living. Simply upload your current plan documents for your Term life,
Whole life, or Universal Life product and we will do a comprehensive review to ensure your plan is still meeting your needs.

To complete a review simply upload the following documents:

1. Inforce plan document
​2. Current age and gender 

401K Policy Review

Fees are important, compliance is even more important. In fact, a 1% difference in fees can mean 10 less years of retirement savings. Non-compliant 401K plans can cost the plan sponsor thousands. 

To see if you have the most competitive fees and your 401K is meeting todays stringent compliance standards simply upload the following forms:

1. 408 B-2
​2. 404 A-5

Employee Benefits Review

At Torrey Pines Financial we specialize in small business Employee Benefit plans, bringing you the most up to date and innovative products on the market, at the most competitive rates. If you are looking to review your current plans, or expand with some new benefits to round out your offering, we will do a comprehensive review benchmarking analysis.  Simply upload the following data:

1. Employee Census
2. In Force Plan Documents
​3. Current Rates