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Protect Your Family.
Secure Your Future.
Build Real Wealth.
Jeung Agency is an independent financial services firm serving clients in all 50 states. We specialize in life insurance, retirement planning, wealth management, and estate planning — backed by 70+ top-rated carriers, 25+ years of experience, and a 5-star Google rating.
70+
Top-Rated Carriers
25+
Years of Experience
5★
Google Rated
50
States Licensed
Independent
No quotas, always your best interest
70+ A+ Rated Carriers
More choice, better rates
All 50 States
Licensed nationwide
5-Star Google Rated
Trusted by hundreds
Free Consultations
Zoom or phone, zero obligation
401(k), 403(b), IRA & TSP Rollovers
If you have a 401(k), 403(b), 457(b), TSP, or old IRA sitting at a previous employer, you may be leaving money on the table. Jeung Agency helps you roll it over into a high-performing Fixed Index Annuity — with NO fees, NO market risk, and guaranteed principal protection.
401(k) Rollovers
Left a job? Don't leave your 401(k) behind. Roll it into a tax-efficient FIA with upside potential and zero downside risk.
403(b) Rollovers
K-12 teachers and nonprofit employees are legally allowed to transfer their 403(b). We help you move from a variable annuity to a fixed index annuity. National Life Group is an already-approved 403(b) vendor.
457(b) & TSP Rollovers
City, county, state, and federal employees: your deferred compensation plan can be rolled into a principal-protected FIA when you retire or separate.
IRA Rollovers
Consolidate old IRAs into a single, high-performing fixed index annuity with tax-deferred growth and optional lifetime income.
Why Roll Over with Jeung Agency
✓ Up to 22% Enrollment Bonus on your rollover balance
✓ Guaranteed principal — $0 market risk
✓ $0 cost to you — carrier-paid, not client-paid
✓ Process takes as little as 2 weeks
✓ 70+ carriers — we find you the best deal
✓ Licensed in all 50 states — serve you wherever you are
Indexed Universal Life Insurance (IUL)
What Is IUL?
Indexed Universal Life (IUL) is permanent life insurance that builds tax-deferred cash value linked to a market index — like the S&P 500 — without direct market risk. Unlike whole life, IUL gives you market-linked returns with built-in downside protection.
Key Benefits:
✓ Lifelong coverage with growing cash value
✓ Protection from market downturns — 0% floor means you never lose principal
✓ Tax-free access to cash for retirement, college, or emergencies
✓ Compound growth potential — tax-deferred wealth building
✓ Flexible premiums and death benefit
Who Should Consider IUL?
→ Parents planning for future college costs
→ Individuals wanting tax-free retirement income
→ Business owners looking for executive benefit strategies
→ Anyone seeking lifelong coverage with flexible cash access
You Might Be Ready for This Conversation If…
This isn't about age or income—it's about mindset. If any of these resonate with you, now is the time to plan.
→ You're in your 40s, 50s, or early 60s and haven't addressed LTC in your financial plan yet
→ You've watched a parent or family member go through a long-term care situation and don't want your family in the same position
→ You have retirement assets worth protecting and want a plan before you need it
→ You're not sure whether insurance is right for you — or which type makes sense
→ You want an honest, pressure-free second opinion on what you already have
→ You're concerned about protecting your spouse and family from financial hardship
Protect Your Legacy with Estate Planning
60% of Americans have no estate plan. Don't leave your family to figure it out.
Jeung Agency Provides Comprehensive Estate Planning Strategies:
→ IUL as an estate planning tool — 100% tax-free death benefit to heirs
→ Home and asset protection — shield your estate from probate and creditors
→ Tax-efficient wealth transfer — minimize estate taxes for your beneficiaries
→ Business succession planning — protect your company and your partners
60%
No estate plan
$0
First review cost
100%
Tax-free death benefit
70+
Carrier options
403(b) & Pension Planning for Teachers Nationwide
Whether you teach in California, Texas, New York, Florida, or anywhere in between — Jeung Agency helps educators maximize their pension, optimize their 403(b), and build the tax-free retirement income their district never told them about.
Most teachers spend 20–30 years in the classroomtrusting that their pension will take care of them inretirement. The truth? For most educators, the pensionalone isn't enough — and the 403(b) options yourdistrict oFers may be costing you far more than yourealize in hidden fees and missed growth.We work with teachers in all 50 states to review your retirement picture, identify what's missing, and builda personalized strategy that supplements your pension with tax-free income you can't outlive.
What We Offer — For Teachers Everywhere
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Free Pension Bene+t Review — Understand exactly what your state pension pays, when, and what's missing
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403(b) Transfer Analysis — We identify high-fee plans and legally move your money to a better performing FIA or IUL
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457(b) Planning — Available to many public school teachers; powerful pre-retirement income tool with no early withdrawal penalty
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Supplemental Retirement Income — Tax-free income through a properly structured IUL — your personal "pension booster"
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Term Life with Living Bene+ts — Protects your family AND pays you if you're diagnosed with cancer, a heart attack, or stroke
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Fixed Index Annuities (FIA) — Market-linked growth with a 0% Woor; never lose a dollar to a market crash
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Disability Retirement Planning — OYen overlooked but critical for educators who become unable to teach
What Most Teachers Don't Know About Their Retirement
Social Security: Teachers in 15 states — including California, Texas, and Ohio — do NOT participate in Social Security. Your pension may be your only guaranteed income source.
COLA varies by state: Some state pension systems oFer no cost-of-living adjustment. Others oFer partial COLAs that don't keep up with inWation. Know your number.
Your 403(b) may be a high-fee variable annuity: Many district-approved vendors — including SchoolsFirst (through Nationwide) — oFer variable annuities with expense ratios of 1–3% per year, silently draining your retirement savings.
By law, K-12 teachers may transfer their 403(b) to any approved vendor — including better performing, lower-fee options like National Life Group, which is already approved in California and many other states.
Your pension alone may not be enough: Most state teacher pensions replace 50–70% of your salary. The gap between that and your current lifestyle is real — and plannable.
CalSTRS & 403(b) Planning for California Teachers
If you're a California K-12 teacher, CalSTRS is yourpension backbone — but most teachers don't realizewhat's missing, what it costs, and what they can do about it right now.
What We Offer
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Free pension benedt review — understand your CalSTRS payout, survivor benedts, and COLA
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403(b) transfer analysis — legally move to a better performing FIA with no surrender penalty
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National Life Group is an already-approved 403(b) vendor for California schools
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Supplemental retirement income — tax-free through a properly structured IUL
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457(b) planning — powerful, penalty-free access before age 59½
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Disability retirement planning — oYen overlooked but critical for CA educators
CalSTRS Facts
No Social Security: CalSTRS members do NOT receive Social Security benedts — your CalSTRS pension and 403(b) are your primary retirement income sources
COLA: CalSTRS provides a Cost-of-Living Adjustment of up to 2% per year — but only aYer a purchasing power threshold is met, and it's not guaranteed every year
High Fees: Your 403(b) may be in a high-fee variable annuity through Nationwide (SchoolsFirst) — we can analyze your plan and show you a better option at no obligation
403(b) Transfer Right: By law, California K-12 teachers may transfer their 403(b) to any TSACG approved vendor at any time — including mid-year
We Know Your State's Pension System
Every state is different. CalPERS in California. TRS in Texas, New York, Georgia, and Illinois. FRS in Florida.STRS in Ohio. PERA in Colorado. Each has its own COLA formula, Social Security rules, survivor benedts, and 403(b) vendor policies. We've worked with teachers across dozens of state systems and know exactly what your pension covers — and what it doesn't. Book a free consultation and we'll walk you through your specidc state pension, identify the gaps, and build a strategy to dll them with tax-free income you control.
Retirement & Benefits Planning for Healthcare Workers
Nurses, hospital staff, and healthcare professionals often have access to 403(b) and 457(b) plans through their employer — but many don't know how to maximize them or whether their current investment is working hard enough.
We Help Healthcare Workers:
→ Roll over hospital 403(b) and 457(b) plans into principal-protected FIAs
→ Build tax-free retirement income with an IUL alongside existing plans
→ Secure affordable life insurance — even with shift work schedules
→ Address student loan balances with smart financial planning
→ Create a retirement plan designed for healthcare career timelines
Benefits & Retirement Planning for First Responders
Police officers, firefighters, EMTs, and paramedics face unique financial challenges: early retirement eligibility, high-risk occupations, and gaps in standard coverage.
We Specialize in Helping First Responders:
→ Optimize CalPERS — understand your pension tier and maximize your payout
→ Plan for early retirement (many first responders retire at age 50-55)
→ Protect income with life and disability insurance designed for high-risk careers
→ Fill Social Security gaps with supplemental retirement income
→ Build a tax-free retirement income stream alongside your pension
Our Services
Retirement Planning
Retire on your terms. Fixed Index Annuities, 401(k) rollovers, IRAs, and FIA strategies designed to grow your savings without market risk.
Long Term Care Planning
Long-term care costs can quickly erode the retirement savings you've spent decades building. Jeung Agency helps you plan ahead — independently and without bias — so your family doesn't have to make difficult decisions under pressure.
Life Insurance
Protect what matters most. IUL, Term, and Whole Life policies tailored to your family's needs. Market-linked growth with zero downside risk.
Business Services
Protect your people and your company. 401(k) plans, SEP IRAs, group health, key person insurance, and executive benefit strategies for businesses of all sizes.
Wealth Management
Build and protect generational wealth. Comprehensive strategies covering investment, estate, tax efficiency, and multi-generational planning — all in one place.
From the Blog
What Our Clients Say
"Stephen helped me understand my CalSTRS pension in a way no one ever had. He identified gaps in my retirement plan and set up a 403(b) transfer that's already outperforming my old Nationwide plan. Highly recommend!"
— Elisabeth Miller
"Stephen is incredibly knowledgeable and patient. He walked us through our life insurance options and helped us find a policy that protects our family without breaking the bank. We feel so much more secure."
— Charles Yoon
Get in Touch
Contact Information
Phone
(510) 449-2396
Location
5670 Wilshire Blvd
Los Angeles, CA 90036
Hours
Monday - Friday / 9AM - 9PM
Saturday / 9AM - 5PM