California License: #0794669 Woodland Hills, CA  91367       Putting clients first when it comes to Insurance and Financial Planning is why Crystal Insurance and Financial Services is California's #1 Life, Health, Disability, Long-Term Care and Annuity insurance broker. Crystal Insurance and Financial Services takes a very personal approach to Insurance and Financial Planning.  We make complex planning simple.  Our focus is on more than meeting predetermined needs and goals because they are usually based on hypothetical interest rates, rates of returns, inflation rates, income tax rates and future income goals.  All of which can be undermined by changes in tax laws, increases in the cost of living due to inflation, planned obsolescence in technology and more. Our goal is to help provide you and your family with enough money to meet both your financial needs and your wants, keep pace with a changing world, reduce or minimize income taxes, minimize your financial risks and properly conserve and distribute your wealth.