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Life, Health & Wealth Protection
REQUEST A LIFE QUOTE | T: 626-383-7315
"I'm in the business of helping people."
~K. Penny
BOUT KIM NICOLE
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YOUR INSURANCE | RETIREMENT INCOME STRATEGIST
MY VISION AND APPROACH
Kimberly Penny is a licensed insurance professional and retirement income specialist dedicated to helping individuals and families prepare for a financially secure retirement.
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As the founder of KP Insurance Services, LLC, Kimberly helps clients understand their retirement options and develop strategies designed to protect their savings and create reliable income throughout retirement.
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She works primarily with pre-retirees and retirees who want to simplify complex financial decisions and better prepare for the years ahead.
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As an independent advisor, Kimberly works with multiple insurance carriers, allowing her to help clients explore solutions tailored to their individual needs rather than being limited to a single company’s products.
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Based in Southern California, she serves clients both locally and virtually across the country.
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Her philosophy is simple:
“Financial decisions shouldn’t feel overwhelming. My goal is to help people understand their options so they can make confident decisions about their future.”
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MY AREAS OF FOCUS
Kimberly works with clients to help address important areas of retirement planning, including:
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• Retirement income planning
• Pension optimization strategies
• Annuities and guaranteed income solutions
• Medicare planning
• Social Security timing
• Legacy and estate planning strategies
Solutions to fit your needs.
Here to help you plan for today and tomorrow. With so many options and complex information, making financial decisions isn't easy. That's why I'm here to help you understand what's right for you.
Together we can create a strategy that's customized to your needs and goals. I believe that we're in this together for the longhaul, so you can count on me to help manage and update our approach as your life changes.
Here's how I can help.
Protection Planning | Final Expense Coverage
Life Insurance can help protect your family by replacing lost income and providing a financial safety net if you or your spouse dies. And end of life protection can also help cover your burial expenses such as funeral, memorial services. No medical exams required, up to $35,000 and any health conditions are accepted.
Retirement Planning. Grow and protect your savings
You've worked hard to build your savings, and annuities can help ensure that they'll last. With annuities, your money grows over the long term, with the options to convert them into a guaranteed income stream. They also provide a payout for your loved ones if you pass away.
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Ready to Retire. Unsure about Medicare.
New to Medicare? Not sure what it covers and how it works. Get all your questions answered. I can help navigate you through the entire process including:
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knowing your rights and option
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enrollment periods
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what Medicare covers... but more importantly
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what it Does Not cover)