The information provided on this website is for educational and informational purposes only and does not constitute financial, legal, or tax advice. CKG Financial is an independent insurance agency specializing in annuities and life insurance products.
All information, content, and materials available on this site are for general informational purposes only and may not reflect the most current developments. The content is provided "as is" without any representations or warranties, express or implied.
CKG Financial and its representatives are licensed insurance agents authorized to sell insurance products including life insurance and annuities in the state of California and other states where properly licensed. Insurance products are offered through various insurance carriers.
License information is available upon request. All insurance products are subject to underwriting approval and availability may vary by state.
Annuities are long-term insurance products designed for retirement purposes. Withdrawals prior to age 59½ may be subject to a 10% IRS penalty tax, and surrender charges may apply if withdrawals exceed the free withdrawal amount.
Guarantees are based on the claims-paying ability of the issuing insurance company. Annuities are not FDIC insured and are not bank deposits. Different types of annuities have different features, benefits, and risks.
Before purchasing an annuity, you should carefully review the prospectus or product disclosure materials and consult with a qualified financial professional to determine if the product is suitable for your individual circumstances.
Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed insurance agent can provide costs and complete details.
Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes.
CKG Financial and its representatives may receive commissions and other compensation from insurance companies for the sale of insurance products. The amount of compensation may vary by product and insurance carrier. This compensation does not result in additional cost to you.
CKG Financial is not a registered investment advisor and does not provide investment advice or securities-related services. We specialize in insurance products including annuities and life insurance.
Any discussion of investments, securities, or market performance is for educational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security.
Insurance products and availability may vary by state. Not all products are available in all states. State-specific licensing and regulatory information is available upon request.
This website may contain links to third-party websites. CKG Financial is not responsible for the content, accuracy, or practices of third-party websites. Links are provided for convenience only and do not constitute an endorsement.
For questions about our services, licensing, or to request additional disclosure information, please contact us at:
CKG Financial
1050 Lakes Dr, West Covina, CA 91790
Phone: (909) 206-6114
Email: carlos@ckgfinancial.com
Last Updated: 10/27/2025