Tobias Financial Solutions

What Tobias Financial Solutions does

Tobias Financial Solutions is an independent insurance brokerage and financial services firm headquartered at 110 N San Joaquin St, Stockton, California, founded in 2007 and operating under California life and health license #0F90955. The firm is owned by Pilar Tobias (Broker/Owner) and employs 11-50 people. It functions as an insurance representative of multiple carriers — not a broker-dealer or Registered Investment Advisor — meaning it earns transaction commissions on policy sales rather than managing assets or trading securities. Its product portfolio spans health insurance (individual, family, small group, Covered California-certified), Medicare supplements, life insurance (term, whole, universal), fixed deferred and indexed annuities, dental and vision, disability, accident, critical illness, cancer, hospital indemnity, travel insurance, credit/GAP/debt protection, premium financing, and the Infinite Banking Concept. Beyond insurance placement, it offers advisory-style services: lifetime income strategy design, tax-free retirement planning, college planning, mortgage protection, life settlements, end-of-life planning (via Dignity Planning), and proprietary-branded financial structures called Spendthrift Trusts and the Money Max Account.

Name

Tobias Financial Solutions

Legal name

Tobias Financial Solutions

Website

https://tobiasassociates.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Tobias Financial Solutions is an independent, Stockton, California-based insurance brokerage founded in 2007 that sells life, health, annuity, Medicare, dental, and vision products from multiple carriers, targeting Baby Boomers, pre-retirees, middle-income families, and Medicare-eligible individuals through licensed remote agents and educational webinars.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Retirement Planning

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industries

Worksite Supplemental Life Insurance (Voluntary Life) (FSAIAMAF), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Retirement income planning
• Life insurance brokerage
• Annuity products
• Health insurance brokerage
• Wealth management advisory

Headquarters

HQ city

Stockton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Commission Revenue: The company earns commissions from selling insurance products including life insurance, health insurance, annuities, dental/vision plans, and other insurance products. They represent multiple insurance carriers and earn commission on each policy sold.
2. Annuity Product Sales: Commissions from fixed indexed annuities, immediate annuities, and other retirement products. The company specializes in retirement income strategies and annuity products.
3. Premium Financing Facilitation: The company facilitates premium financing arrangements for life insurance products, earning commissions or fees from the financing arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Tobias Financial Solutions is an independent insurance brokerage that sells life, health, dental, vision, Medicare supplement, disability, accident, cancer, critical care, hospital indemnity, travel, and fixed deferred annuity products on behalf of multiple carriers, primarily through licensed remote agents. The firm complements these products with advisory and planning services including retirement income strategies, tax-free retirement planning, college planning, mortgage protection, end-of-life planning, life settlements, and proprietary wealth-building tools such as Spendthrift Trusts and the Money Max Account.

Product overview

Tobias Financial Solutions is an independent financial services company offering a comprehensive portfolio of insurance and financial products. The core offerings include multiple insurance types (health, accident, cancer, critical care, dental, vision, disability, hospital indemnity, Medicare supplements, life, and travel) and retirement products (fixed deferred annuities). These are complemented by wealth-building advisory services including lifetime income strategies, tax-free retirement planning, college planning, and end-of-life planning. The company represents multiple insurance carriers across Life, Annuity, LTC, DI, and Group product lines, operating as an insurance representative rather than a broker-dealer. Services include case design, case management, advanced markets consulting, and experienced underwriting support for agents.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance

Quantifiable outcome

• Over 60% of baby boomers are more fearful of outliving their money than of dying
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

13 partnerships are on record, tiered minor and core.

• Dignity PlanningminorGTM or Marketing PartnerDignity Planning provides end-of-life funeral planning services. Tobias Financial Solutions refers clients to Dignity Planning for funeral planning needs and receives referrals. Agents use code UHL8891 when referring clients.
• My Retirement SavingminorGTM or Marketing PartnerMarketing partner for follow-up with prospects who request annuity and retirement planning information through webforms. Assists in connecting prospects with licensed insurance agents.
• CareingtonminorChannel Partner/ Reseller/ DistributorCareington provides discount dental and vision savings plans that Tobias Financial Solutions offers to clients. Brokers use referral link for enrollment.
• Ethos LifeminorChannel Partner/ Reseller/ DistributorEthos Life provides online life insurance quote and application platform. Tobias Financial Solutions agents direct clients to Ethos Life for instant life insurance quotes and coverage.
• Blue Shield of CaliforniacoreChannel Partner/ Reseller/ DistributorBlue Shield is one of the primary health insurance carriers Tobias Financial Solutions represents for individual, family, and small group health coverage.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorKaiser Permanente is a major health insurance carrier represented by Tobias Financial Solutions for individual and family plans in California.
• Anthem Blue CrosscoreChannel Partner/ Reseller/ DistributorAnthem Blue Cross is a key health insurance carrier represented for individual, family, small group, and Medicare plans.
• Health NetcoreChannel Partner/ Reseller/ DistributorHealth Net is a California health insurance plan provider represented for individual and family coverage.
• American Benefits AssociationminorChannel Partner/ Reseller/ DistributorABA provides group health, dental, life insurance, and discount benefits to association members. Tobias Financial Solutions agents can register to sell ABA products to members.
• Independent Marketing Associate (IMA)minorChannel Partner/ Reseller/ DistributorIMA provides group health, dental, life insurance, and discount benefits through association membership. Tobias Financial Solutions partners with IMA for expanded product offerings.
• VSP VisionminorChannel Partner/ Reseller/ DistributorVSP Vision provides individual and family vision insurance plans. Tobias Financial Solutions offers VSP plans with broker ID for quote generation.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDelta Dental is the nation's leading dental insurance provider. Tobias Financial Solutions offers Delta Dental plans with broker ID for quote generation.
• Security Life Dental and VisionminorChannel Partner/ Reseller/ DistributorSecurity Life provides dental and vision insurance plans offered through Tobias Financial Solutions with affordable coverage and instant online quotes.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• EverQuote: Online insurance marketplace connecting consumers with carriers and agents across life, auto, and health; represents an emerging digital distribution threat to independent brokerages like Tobias.
• Ethos Life: Direct-to-consumer digital life insurance platform already partnered with Tobias for instant quotes; a tech-forward emerging player reshaping how life insurance is sold.

Broad incumbents

• Northwestern Mutual: Large incumbent offering life insurance, disability income, and retirement planning through captive advisors; overlapping retirement and lifetime-income value proposition with Tobias.
• National Western Life Insurance Group: Established life and annuity carrier with strong fixed and indexed annuity franchise; competes in the same retirement-income product category and through independent agent distribution.
• State Farm: National incumbent insurer with life, health, and retirement products distributed through captive agents; overlapping mass-affluent retirement and supplemental health customer base.
• New York Life: Mutual life insurer with broad life, annuity, and retirement-income offerings; competes with Tobias across both product breadth and advisor-led retirement planning.

Direct peers

• SelectQuote: Independent insurance brokerage selling life, health, and annuity products across multiple carriers; competes for the same boomer and pre-retiree segments via a digital-direct model.
• World Financial Group (Transamerica): Multi-level independent distributor of insurance and retirement products from a major carrier, with a comparable remote-agent structure and middle-market retirement-income emphasis.
• Family First Life: Independent life and annuity brokerage with a remote-agent, multi-carrier model targeting families and pre-retirees; overlaps directly with Tobias' annuity and retirement-income focus.
• Symmetry Financial Group: Independent life insurance brokerage focused on middle-income families and a remote-agent distribution model, directly comparable to Tobias' national agent recruitment and family-market positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tobias Financial Solutions