Serving California

Insurance, retirement & tax planning for California families.

Home base. An independent practice in the Central Valley, working with families across the Tri-Valley and Bay Area — and licensed statewide.

Book a 20-min call Run my retirement number →

Licensed in California · CA Insurance Lic. #4344549 · Typical first call: 20 minutes

How it works

Working together from California.

California is where this practice lives. Most first calls happen over video either way, and for families in the Central Valley, Tri-Valley, or Bay Area, meeting in person is an easy option. Everything runs on the same shape: a 20-minute first call, no script, nothing pitched.

As an independent, multi-carrier agency, recommendations are placed with carriers licensed in California — never limited to one company’s shelf.

Retirement

Retirement planning

Map your current savings, contributions, and target income to see if you're on track — and what the gap looks like if you're not.

Run the retirement check

Insurance

Life insurance

A short conversation about who depends on your income, what they'd need, and which term or permanent coverage may fit.

Estimate your coverage

Also licensed in

Two states, one practice.

Texas

DimeGuard LLC is a financial-education platform, not a licensed insurance agency or professional advisory firm. Content is general education, not individualized tax, legal, accounting, investment or insurance advice. Insurance services are offered separately by Saral Toms only where he is personally licensed and authorized.