“Knowledge is no guarantee of the right choice, but its absence is a virtual guarantee of the wrong choice.”

President and CEO


Please consider this an invitation to contact:
James D. Carter, CPCU
Area President
e-mail: for more information.

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White Papers or “The Same Old Thing”?

The Oxford English Dictionary defines a white paper as “an authoritative report or guide that helps solve a problem. White papers are used to educate readers and help people make decisions…”

We are in the education business. We feel a responsibility to serve as educators to our clients and to deliver creative alternatives and solutions that, with the utmost candor, probably simply escape the mind of your traditional insurance broker.

As the common adage goes, “to earn the right to educate others, you need to educate yourself”. It is from this pursuit of continuous learning that our firm can proudly tout more professional designations per employee that any insurance brokerage in the state of California.

We are fanatical about growing our knowledge capital: pure and simple. We hope you recognize our white papers are more than just “the same old thing”.

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