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Railroad Canyon Insurance and Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Railroad Canyon Insurance and Financial Services is registered as an investment manager but primarily serves individuals approaching or in retirement, with a focus on baby boomers and parents seeking preservation of capital. The firm provides financial planning and retirement-focused advice, conducts a complimentary Financial Needs Analysis, and recommends insurance products including fixed-interest and fixed-index annuities.
The firm describes a "safety-first" approach that prioritizes minimizing market risk, tax planning, and income maximization, and it operates on a non-discretionary basis with annual, no-charge account reviews. Ongoing work is typically arranged through consultations billed on an hourly basis or occasional flat-fee engagements rather than a percentage-of-assets model.
Distinctive aspects compared with many investment-manager firms include its status as a licensed insurance agent contracting with insurers and accepting commissions for annuity sales while not managing client securities accounts. The firm also engages clients through educational and social events (for example, client luncheons and "bring a friend" events), a practice that is less common among peers in this category.
Client services
Financial planning
Educational seminars or workshops
Fixed interest and fixed index annuities
Expertise
General retirement planning
Retirement income strategy
Annuities
General tax planning
Demographic focus
Baby Boomers (Born 1946-1964)
Approaching retirement
Fee options
$125 account set-up fee; $450 flat fee for complete financial evaluation for qualifying veterans
Commissions received from insurance companies for opening fixed annuity accounts; no fees or commissions charged directly to clients
$200 per hour for follow-up consultation
Fee-only: $200 per hour for follow-up consultation; $125 account set-up fee; $450 flat rate for complete financial evaluation for qualifying veterans
Main office location
Railroad Canyon Insurance and Financial Services
31566 Railroad Canyon Road, Suite 2 149
Canyon Lake CA 92587, United States
Number of offices
1
Most active in
Railroad Canyon Insurance and Financial Services has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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