Secure Guaranteed Retirement Income Before the Market Decides for You.
Discover the Pendo Plan: A customized, principal-protected strategy designed to help you reduce unnecessary taxes and create a paycheck you can’t outlive—even if the market crashes.
Can your current retirement plan survive a market crash, rising inflation, and a 30-year retirement? Let’s find out.
Secure Your Retirement Foundation
Don’t leave your legacy to chance. Let’s evaluate your options and see where we can add protection, income, and clarity to your future.
Get clarity on what you own, what it’s costing you, and how to protect what you’ve built.
Income Planning
We help ensure you receive a predictable monthly stream to cover daily living expenses and the simple pleasures of retirement.
Advanced Tax Strategies
We evaluate your assets from a tax perspective to stop the IRS from eating up your principal through Required Minimum Distributions (RMDs).
Legacy Protection
We utilize tax-free wealth transfer strategies to ensure your loved ones receive the maximum value of what you’ve built.
We aren’t tied to one company. As an independent advisor, we objectively compare solutions from over 50 of the world’s most respected life insurance carriers to find the exact fit for your goals.
Danial Fereydani, President
How Our Complimentary Annuity Second Opinion Adds Value
At Pendo, we believe your retirement strategy should be a source of confidence, not confusion. Our diagnostic review goes beyond the balance sheet to ensure your assets are working as hard as you did to earn them.+4
A Comprehensive Evaluation of Your Plan
- The Pendo Tax Efficiency Review: We look for “tax traps” in your current structure to help you keep more of your money and give less to the IRS.
- Diagnostic Performance Check: We provide an authoritative analysis to see if your annuity’s current payout actually aligns with your long-term income goals.
- Purchasing Power Protection: We assess how your strategy handles inflation and interest rate shifts, ensuring your “paycheck” maintains its value over a 30-year retirement
- Cost & Rider Optimization: Our team identifies expensive, unnecessary riders or hidden fees that may be quietly eroding your principal.
- Legacy & Beneficiary Verification: We verify that your designations are current and “probate-aware” so your wealth transfers smoothly to your loved ones.
When Should You Review Your Strategy?
The Pendo Plan is built on the belief that a retirement strategy is not a “set-it-and-forget-it” event. As your life evolves, your plan must adapt to ensure your principal remains protected and your income remains guaranteed.+4
Critical Triggers for a Pendo Plan Review:
- Annuity Uncertainty: If you currently own an annuity but find it “opaque” or overly technical, you deserve a diagnostic second opinion to identify unnecessary fees.
- Approaching the “Red Zone”: If you are within 5 years of retirement, you need to transition from wealth accumulation to a “principal-first” protection strategy.
- Market Volatility Anxiety: If watching the headlines makes you hesitant to spend your own money, we can run a Pendo Stress Test to see how a market downturn would impact your lifetime paycheck.
- Social Security Maximization: If you are deciding when to claim benefits, we can design a “bridge income” strategy to help you delay filing until age 70 for a higher lifetime payout.
- Tax & Legacy Transitions: Major life changes—like marriage or health shifts—require a “board member” at the table to coordinate with your CPA and attorney.
Where Retirement Planning Adds Value
Don’t wonder if you have the right strategy—know for sure. Whether you’re looking for a second opinion on an existing product or want to see if a 1035 exchange could add value, we are here to provide objective advice.
I am not familiar with financial planners and their services, and for that matter, I have not used any, but when Danial was referred to me I have to say that I appreciate the help and services that he gave and will use him in the future.
I was in a bind regarding an inherited IRA and he was able to save me quite a lot of money (taxes) simply by steering me in the right direction rather than just taking advantage of me during this stressful time.
He also didn’t charge me for the advice, gave me a solution that was best for me, and simply thanked me for thinking of him. All I can say is that he is fair, honest and I would gladly recommend him to anyone who is looking for an honest person/company. Thank you
Dimitry M.
Yelp Review
I had some questions regarding my 401(k) and I was recommended this company from Pacific life. They were able to answer my questions about contributions, and figure out how to set things up according to my financial needs and goals. I am very appreciative of the help.
Sunny D.
Yelp Review
Called them last week for an IRA booklet, Received the information I asked for and was able to get some questions answered regarding my specific situation. Still confusing dealing with his issues sometimes nice to have some help.
Sharzhad S.
Yelp Review
About Pendo Insurance
Pendo Insurance—a dedicated group of licensed, financial professionals led by president and founder Danial Fereydani—helps people like you create and manage a customized retirement strategy that preserves and safely grows your assets.
Our goal is to help you achieve a financially secure and enjoyable retirement. We specialize in helping people seeking guaranteed income for life, tax-efficient legacy planning and estate planning. As an independent insurance advisor, we work with over 50 different companies allowing us to select the best solution to meet your needs.
Our solutions-focused approach is a key reason that we were recently voted best insurance advisor in Los Angeles by the readers of the Daily News and that Pendo Insurance ranks as one of the nation’s leading providers of income solutions and legacy planning.