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Ed Guanill is a financial and retirement planning professional with over 18 years of experience in the insurance industry and has been an independent advisor representative since 2012. His career began in 1997 in the banking and merchant-acquiring sector. Over the years, Ed has worked with several firms to help build their practices and institute his financial principles. Today, Ed helps his clients prepare for retirement using helpful financial principles. His focus is on how to help clients achieve their financial goals by teaching them how to shield their assets from potential market risk, earn competitive rates of return and create multiple retirement income streams that have the possibility to last as long as they do. Ed is a member of the Registered Financial Planners Institute, RFP®, The Financial Planning Association and The National Ethics Association. He has offices in both Sacramento and San Diego.

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INSURANCE GUIDE

Insurance is a written contract between an insurance company (insurer) and an individual or entity for which the insurer provides protection against financial losses. The insurance company is able to provide this protection by pooling risk from a large group of individuals and entities with similar needs.

Insurance is generally designed to protect you in the event of a loss you can’t otherwise pay for, such as if you total your car or require expensive surgery.

If you don’t carry insurance, you may be 100% responsible for all related costs and expenses when an accident happens.

An insurance policy is a legal contract through which an individual or entity receives protection against unexpected financial losses from an insurance company. In exchange for a premium, the insurance company will reimburse you for losses should a covered contingency arise.

Let’s say you just bought a car and want to buy insurance, as your state requires. You and the insurance company would enter into a contractual agreement in which the insurance company agrees to protect your car against certain types of damage. Six months later, you’re involved in an accident that ruins your front fender. If your car insurance policy is in force and the damage to your fender is covered, your insurer will pay to repair the damage to any extent or limits specified in the policy.

Insurance is a way to manage unforeseen risks. The instrument by which it does this is a written contract between an insurer (the insurance company) and a policyholder (the individual or entity that gets the policy)—these documents are the insurance policy.

Purchase

Purchasing a home is one of the most important decisions you’ll make, and the right advice and guidance is paramount. Experience and expertise matter and they can make a significant difference in making sure that you not only find the right house, but that you also pay the best price.

I not only have a thorough understanding of the marketplace but I also have access to many properties that are off-market 

and an awareness of properties that are about to be listed. Most importantly, I’m keenly aware of the nuances that determine value and I am discerning as to construction quality, materials, and craftsmanship.   I will listen to your needs and find you the perfect home and I will make sure that you make an educated and informed decision. Once you choose a property I will represent your interest vociferously throughout the purchase process, negotiating the best possible purchase price, managing and advocating for you during inspections, escrow, title, and closing. I will also advise you on how to make the house even better, including furniture and design, and possibly remodel ideas and augmentations where beneficial.

Seller

Choosing the correct real estate agent to sell your home is one of the most important decisions you’ll make. It can be the difference between your home sitting on the market for months or selling quickly, for hundreds of thousands if not millions of dollars more. Your home is a very personal, important, and valuable asset, and it can be an emotional and complicated endeavor to sell it, especially in today’s challenging marketplace.

Numerous questions and concerns will need to be addressed, and the advice and consultation that you receive can make a tremendous difference in the results. Marketing and advertising, remodeling and/or upgrading, photography, internet exposure, staging, design, floor-plan measurements, videography, timing and presentation, inspections, pre-market exposure, agent outreach and relationships, open houses, pricing, and dozens more nuances and subtleties all make up the difference between failure and a successful sale.