Employer Benefits

Employer benefits offer unique, tax savings planning opportunities and to both employers and employees Employer benefits offer unique, tax savings planning

Commercial Insurance

The lack of commercial insurance can be devastating. Paying too much just hurts.

Life Insurance

Life insurance is an extraordinary financial tool, providing much needed money and liquidity for families and businesses precisely when needed the most. 

Retirement Planning

Most Americans fall far short of having enough money for retirement. Here’s the reason why…

Estate Planning

You spend your whole life building something for your family. Don’t lose 40% of it to taxes.


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Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 3585 MAPLE STREET SUITE 140 VENTURA, CA 93003, ph# 909-399-1100. PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Div3 Insurance & Financial Services, Inc is not an affiliate or subsidiary of PAS or Guardian.

Important Disclosures
2018-65943 Exp 9/20