For RIA's
You Manage the Portfolio's.
We Close the Protection Gap.With Purpose.
We are the insurance
execution partner your
firm deserves.
For RIA's
You Manage
the Portfolio's.
We Close the
Protection Gap.With Purpose.
We are the insurance
execution partner your
firm deserves.
Or call us (707) 486-3352
Or call us (707) 486-3352
Registered Investment Advisors — Today and Tomorrow
As a Registered Investment Advisor, you are trained, credentialed, and committed to delivering comprehensive financial plans that serve your clients’ complete financial lives. You understand goal setting, investment strategy, tax efficiency, retirement income planning, and the discipline of putting your clients’ interests first.
What most financial plans identify — and most RIA platforms struggle to execute — is the insurance protection layer. Life insurance, disability coverage, long-term care, annuity-based income, and the business protection solutions that give a financial plan its structural foundation.
FundaDream is not here to build your clients’ financial plans. You do that. We are here to ensure that when your plan identifies a protection need, the execution of that need is handled with the same level of expertise, vetting, and professionalism that your planning work demands.
And we do it as part of a firm that believes the work of financial planning should serve more than the professionals and clients at the center of it. FundaDream directs a portion of its corporate revenues to IRS-recognized 501(c)(3) youth athletic organizations — not as a feature of any professional arrangement, but as a reflection of who FundaDream is as a company. Request more information.
The Insurance Execution Gap
RIAs deliver strong, well-structured financial plans. But the gap between identifying an insurance need in a plan and executing that need at the highest level is where most clients remain underserved — not because their advisor doesn’t care, but because insurance execution requires a depth of carrier access, underwriting expertise, and product knowledge that sits outside the core RIA platform. Request more information.
A financial plan that identifies a protection need but cannot execute it is an incomplete plan. FundaDream ensures that every protection recommendation your plan makes has a qualified, vetted professional and a proven execution path behind it.
The Underinsured Estate Plan | The client whose financial plan calls for an irrevocable life insurance trust but whose advisor lacks the carrier access and underwriting relationships to execute it at the right face amount, structure, and cost. |
The Unfunded Buy-Sell | The business owner client whose plan identifies a buy-sell funding need but whose RIA firm has no path to a properly structured and underwritten life insurance policy to fund it. |
The Unexecuted Disability Recommendation | The client whose plan clearly identifies income protection as a priority, but where the advisor has no platform to place individual disability coverage and the recommendation sits on the page without a solution. |
The Incomplete Retirement Income Strategy | The client whose retirement income plan would benefit from an annuity-based income floor but whose RIA’s platform has no access to the annuity products and analysis needed to make that recommendation actionable. |
The Fiduciary Standard
Identifying a protection need in a financial plan and then ensuring it gets executed properly is not a departure from your fiduciary obligation — it is the fulfillment of it.
An RIA who recognizes an insurance gap in a client’s plan and connects that client to a vetted, qualified insurance professional through FundaDream is doing exactly what fiduciary best practice demands: ensuring the client’s complete financial picture is addressed by professionals best positioned to address each component of it.
FundaDream vets every professional in our network not only for credentials, regulatory history, and track record, but for planning philosophy. We partner with insurance professionals who lead with the client’s goals — not with products, not with commissions, and not with solutions in search of a problem. That standard is the same one you apply to your own practice. It is what makes a FundaDream partnership genuinely compatible with a fiduciary advisory model.
When FundaDream executes the insurance component of your client’s financial plan, your fiduciary relationship with that client is not diminished. It is strengthened — because your client received a complete plan, executed at the highest level, by professionals you trust.
How We Work Together
FundaDream offers RIA firms two distinct insurance execution models — one designed for fee-only practices, and one for hybrid firms — with the flexibility to engage either model depending on the case.
For Fee-Only RIAs The Insurance Referral Model
Your plan identifies the need. FundaDream executes the solution.
When your financial plan calls for life insurance, disability coverage, long-term care, or annuity-based income, you refer the insurance execution to FundaDream. Our vetted network of insurance professionals engages the client, conducts the structured fact-finding process, develops the appropriate product recommendation, and manages the case through to close.
Your fee-only structure remains intact. Your fiduciary obligation is fulfilled. Your client receives a complete plan with every recommendation properly executed. And your client relationship is strengthened — because nothing identified in their plan was left unaddressed. Request more information.
For Hybrid RIAs The Co-Production Model
Your plan identifies the need. FundaDream amplifies your ability to execute it.
If your practice holds insurance licenses or operates as a hybrid RIA, FundaDream functions as a full co-production partner — giving you the carrier access, product depth, underwriting expertise, and case support to execute the insurance component of your financial plans at a level your platform alone cannot reach.
Insurance-licensed RIA professionals in the FundaDream network gain access to an elite product portfolio, white-glove sales support, advanced case design, and a professional underwriting team that manages complex cases with precision. When the case closes, your firm participates directly in the commission revenue generated — turning the protection recommendations in your plans into a meaningful additional revenue stream for your practice. Request more information.
Where Your Clients Come From
Beyond the insurance execution support FundaDream provides for your existing client base, network partners also benefit from pre-qualified client introductions generated through our consumer-facing smart-matching platform.
Individual Consumers and Families
FundaDream actively markets to individuals and families seeking comprehensive financial guidance. Many arrive with investment, wealth management, and financial planning needs that align directly with RIA expertise — and when their goals and circumstances match your profile, we make the introduction.
Business Owners and the Employer Market
FundaDream places particular emphasis on the business owner and employer market — clients who need financial planning, investment strategy, and insurance protection simultaneously. An RIA practice with FundaDream’s insurance execution infrastructure behind it is uniquely positioned to serve this market completely — delivering the full plan and ensuring every component of it is properly executed.
Financial Professional Collaboration
FundaDream’s network of financial professionals — insurance specialists, CPAs, and attorneys — regularly engages RIAs on complex client cases where financial planning and insurance strategy must be coordinated from the outset. RIA partners in the FundaDream network are the first call our professionals make when a case requires the depth of a credentialed investment and planning professional.
What We Bring To Your Practice
A FundaDream partnership gives your RIA firm the insurance execution infrastructure needed to make every financial plan you deliver truly complete — while honoring your fiduciary standard and expanding your practice capability without expanding your overhead.
Vetted Insurance Professional Network | Every insurance professional in the FundaDream network has passed our multi-point due diligence process. When your clients are connected to a FundaDream professional for insurance execution, they are in qualified, client-first hands — and the integrity of your planning relationship is protected at every step. |
Elite Insurance Product Portfolio | A curated suite of life insurance, disability, annuities, long-term care, and business protection solutions — giving the FundaDream professionals executing your clients’ protection needs the carrier breadth and product depth to find the right solution for every situation your plans identify. |
White-Glove Case Support | Dedicated support from referral to close. Your firm identifies the need; FundaDream manages the execution. Your client relationship and your planning work remain central — FundaDream handles the insurance case from product selection through underwriting and policy delivery. |
Advanced Case Design | For complex insurance cases — ILITs, premium financing, key person coverage, executive benefit structures — our advanced planning team provides the technical depth to design and position the right solution for the most sophisticated client situations your plans surface. |
Expert Business Planning Desk | Specialized insurance execution support for the business owner cases where financial planning and protection strategy must be coordinated — succession funding, buy-sell execution, key person coverage, and executive benefit design. |
Professional Underwriting Team | Our underwriting team manages the insurance placement process with precision and advocacy — navigating carrier requirements, managing timelines, and ensuring the protection recommendations in your plans are placed efficiently and at the best available terms. |
Consumer Marketing & Client Introductions | Pre-qualified introductions from FundaDream’s consumer-facing smart-matching platform, matched to your planning expertise and delivered when the fit is right. |
Advisor Teaming Opportunities | Access to insurance specialists, CPAs, and attorneys who bring the expertise your most complex client cases require — so every component of every plan you deliver is backed by the right professional. |
Let's Start a Conversation
Your financial plans are already identifying the protection needs. FundaDream ensures those needs are executed with the expertise, carrier access, and professional advocacy they deserve — so every plan you deliver is truly complete.
Whether you operate fee-only, as a hybrid, or somewhere in between — the conversation starts here.
Request more information. Call us at (707) 486-3352 or schedule a meeting below.
IMPORTANT DISCLOSURES
FundaDream’s charitable giving program is administered in accordance with applicable federal and California state law. All charitable recipients are IRS-recognized 501(c)(3) tax-exempt organizations whose status is verified prior to any gift being made. Charitable giving is made from FundaDream’s general corporate revenues at the sole discretion of FundaDream leadership on a periodic basis. No consumer benefit, inducement, or entitlement is created by or associated with FundaDream’s charitable giving activities. FundaDream’s charitable giving is not tied to any individual insurance transaction, premium payment, policy placement, or client relationship. No financial professional who partners with FundaDream has any right to direct, influence, or receive any benefit from FundaDream’s charitable giving activities. FundaDream reserves the right to modify, suspend, or discontinue its charitable giving program at any time at its sole discretion. This disclosure does not constitute legal, tax, or financial advice. For questions about FundaDream’s charitable giving program, contact FundaDream directly.
Nothing on this page constitutes an offer of employment, independent contractor engagement, or professional partnership. Any professional relationship with FundaDream Insurance Solutions, Inc. is subject to a full application and vetting process and requires written agreement from an authorized FundaDream representative. FundaDream reserves the right to accept or decline any application at its sole discretion.
Product availability varies by carrier, state, and individual eligibility. Not all products mentioned throughout the website are available in all states or to all applicants. Product descriptions on this website are for general informational purposes only and do not constitute a solicitation or offer to sell any specific insurance or annuity product. All products are subject to underwriting approval and applicable state insurance regulations. Riders and benefits are subject to additional charges, terms, conditions, and limitations. Variable products involve investment risk, including possible loss of principal, and are sold by prospectus. FundaDream Insurance Solutions, Inc. is a licensed California insurance corporation. Consult the applicable carrier contract for full terms, conditions, and limitations.
The decision to purchase life insurance should be based on long-term financial goals and the need for a death benefit. Life insurance is not an appropriate vehicle for short-term savings or short-term investment strategies. While the policy allows for loans, you should know that there may be little to no cash value for loans in the policy’s early years.
The information provided is not written or intended as specific tax or legal advice. FundaDream, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
Insurance products and services are offered through FundaDream Insurance Solutions, Inc., California License No. 0M95835