David Torres has been involved in the financial services industry for over 20 years through his work as an Investment Adviser Representative, Insurance Agent, and Mortgage Loan Originator. His primary goal is to give complete and unbiased education on topics related to wealth accumulation and retirement income planning. This is accomplished via holistic planning sessions involving Actively Managed Asset strategies, Life and Annuity Insurance options, and Home Equity Release solutions, such as the FHA- insured HECM program.
By analyzing the pros and cons of various asset classes within the framework of a Retirement Planning model, he can pivot to several solutions while maintaining his fiduciary duty to his clients. Additionally, in achieving the Retirement Income Certified Professional® (RICP®) designation, David is qualified to assist with planning and executing customized retirement strategies. From advising on various actively managed portfolio solutions, to the proper use of insurance-based platforms, employer-sponsored benefits and determining the best Social Security claiming age, he provides a wealth of information for his clients.
In obtaining his Certified Reverse Mortgage Professional (CRMP®), David provides a unique perspective in demonstrating how Housing Wealth, which is typically a client’s largest asset, can be utilized to reduce risk, provide liquidity, and enhance sustainability for a well-designed, comprehensive retirement plan.
David provides expert advice on a broad range of retirement topics including portfolio withdrawal advice, retirement income planning, income taxation risks, Long-Term Care funding, early through late- stage home financing decisions and legacy planning.
He believes no question or concern is too small or insignificant. If it’s important to you, it’s important to him! He looks forward to speaking with you and helping you realize a safe, happy, and secure future!
LICENSES & ACCREDITATIONS
- Chief Compliance Officer and Investment Advisor Representative for IWG Investment Advisors LLC
- Retirement Income Certified Professional® (RICP®)
- Certified Reverse Mortgage Professional (CRMP®)
AREAS OF EXPERTISE
- LIFE INSURANCE
- LIVING BENEFITS
- TAX-FREE RETIREMENT
- ESTATE PLANNING
- REVERSE MORTGAGE PLANNING
- MARKET ASSETS UNDER MANAGEMENT
- LONG-TERM CARE INSURANCE