Protect Your Wealth. Secure Your Future.
Secure Your Financial Future with Cindy Birkland's Expert Guidance
I help pre-retirees and retirees create reliable income streams through annuities, protect their families with life insurance, and make smart decisions about home equity—so you can enjoy retirement with confidence.
Explore Cindy Birkland's Custom Financial Solutions
Hi, I'm Cindy Birkland
With 30+ years of experience as a licensed insurance agent and mortgage broker, I've helped hundreds of families secure guaranteed income, protect their assets, and make the most of their home equity.
I'm not a financial advisor who picks stocks—I specialize in solutions that come with guarantees: annuities that pay you for life, life insurance that protects your family, and mortgage strategies that work for your situation.
Licensed in 8 states. Based in Las Vegas. Here to help you.
Secure Your Future: Our Expert Services
Expert Guidance for Every Financial Season
Guaranteed Retirement Income
Fixed and indexed annuities that provide income you can count on for life—no matter what the market does.
Life Insurance Strategies
Protection for your family and wealth transfer solutions that create a lasting legacy.
Premium Financing (Kaizen Plan)
Exclusive strategy for high-net-worth clients to acquire significant coverage while preserving capital.
Mortgage Services
Purchase and refinance solutions through Five Star Mortgage. Competitive rates, personal service.
Reverse Mortgage Solutions
Access your home equity without monthly payments. For homeowners 62 and older.
Retirement Income Planning
Social Security optimization, tax-smart strategies, and coordinating your income sources.
Financial Education
"How Money Works" presentations and guidance to help you make confident decisions.
Why Clients Trust Me With Their Financial Future
30+ Years Experience — I've seen it all and know what works
Guarantees, Not Guesses — I specialize in products backed by insurance company guarantees
Licensed in 8 States — Nevada, California, Arizona, Utah, Oregon, Washington, Hawaii, North Dakota
No Pressure, Just Guidance — Free consultation with zero obligation
Testimonials
Frank Mistretta
Cindy has been handling my life insurance and financial planning for almost 13 years. She has always been on the ball for me and my family and whatever we needed. I recommend her for you and yours as well.
Daisy Watkins
After talking to several people, Cindy was the only one who didn't try to sell me something I didn't need. She listened first, then showed me options that actually made sense.
Christina from AI Advisory Team
Cindy took the time to explain everything in plain English. I finally understand how my annuity works and feel confident about my retirement income.
FAQs
Essential Answers for Your Financial Peace of Mind
What exactly do you do?
I'm a licensed insurance agent and mortgage broker—not a financial advisor. I help people create guaranteed retirement income through annuities, protect their families with life insurance, and navigate mortgage options including reverse mortgages for homeowners 62+.
How is this different from a financial advisor?
Financial advisors typically manage investments like stocks and bonds. I specialize in insurance-based solutions that come with guarantees—annuities that pay you for life, life insurance that protects your family, and mortgage strategies. Different expertise, different products.
What is an annuity and how does it provide guaranteed income?
An annuity is an insurance product that can convert your savings into guaranteed monthly payments for life. The insurance company takes on the risk—they pay you no matter how long you live. It's one of the only ways to create income you literally cannot outlive.
Do you charge for consultations?
No. Your initial consultation is completely free with zero obligation. We'll discuss your situation, I'll answer your questions, and if I can help, I'll explain your options. No pressure, no sale
What states do you serve?
I'm licensed in 8 states: Nevada, California, Arizona, Utah, Oregon, Washington, Hawaii, North Dakota, and North Carolina. I work with clients virtually, so I can help you wherever you are within these states.
What is a reverse mortgage?
A reverse mortgage allows homeowners 62 and older to access their home equity without making monthly mortgage payments. You stay in your home, keep the title, and the loan is repaid when you sell or move. It's not for everyone, but it can be a powerful tool for the right situation.
How do I know if an annuity is right for me?
Annuities work well for people who want guaranteed income they can't outlive, are concerned about market volatility, or want to ensure they don't run out of money in retirement. During our call, I'll help you determine if it fits your situation—and if it doesn't, I'll tell you.
What should I bring to our consultation?
Just your questions! If you want to go deeper, you can bring recent statements from retirement accounts, Social Security statements, or existing insurance policies. But it's not required—we can have a productive conversation with whatever you have.
Cindy Birkland is a licensed insurance agent (License #3103174) and mortgage broker (NMLS #2106177), not a financial advisor or investment advisor. Insurance products including annuities are not FDIC insured and involve risk. Annuity guarantees subject to claims-paying ability of issuing insurance company. Mortgage services through Five Star Mortgage (NMLS #1756744). Equal Housing Lender.