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About

Why Choose Us

Where you choose to purchase your insurance protection makes a difference. Two key reasons to choose us over others are:

  • Our commitment to customer service and
  • Our approach of helping you fit insurance coverage to your needs and not just buy a policy.

We look forward to the possibility of serving you.

Jacob Karmazyn

President, Karm Financial Group

Jacob Karmazyn started his career in the insurance industry with New York Life in 2002. While learning the insurance industry he attended and graduated from San Diego State University with a business degree in finance. Jacob knew he wanted to specialize in the senior market with specifically focusing on long-term care planning. In 2007, he joined Genworth Financial and reached some of the highest honors within the company and quickly became a leader in the industry. In 2011-2014 he reached the President’s Club with Genworth Financial, and in 2014 he leads the entire country in long-term care sales. He was the youngest agent to ever achieve this honor.
In 2015, Jacob decided to become an independent agent to be able to offer his clients an array of financial products that best suits their needs. Jacob now specializes in all products in the senior market including Long-Term Care, Retirement Planning, Annuities, Senior Settlements, and Life Insurance. Jacob Karmazyn is also part of the Dame Ramsey Team for long-term care insurance planning. Jacob has been endorsed with Dave Ramsey as a trusted long-term care insurance specialist and helps many of their members plan for this. In addition to providing his clients the best insurance products available, Jacob is also a National Social Security Advisor. Over the years, many of his clients have had questions about the complexity of Social Security, so he decided to become a National Social Security Advisor and to provide this service to his practice.
Jacob has a passion for helping families by creating a simple approach to help educate and to offer many solutions based on their needs and goals. He also enjoys giving educational workshops in his local area in San Diego. Jacob currently resides in San Diego with his wife Danelle and their daughter, Kamille, and son, Jackson.

George Karmazyn

Agent & Consultant for Advance Planning

George Karmazyn received his Bachelor’s and Master’s Degrees at The Julliard School in New York. For many years he performed in orchestras on Broadway in New York. From 1995-1997 George was the top agent with New York Life in their long-term care division. After 15 years of New York Life, he went into the brokerage business and deciding to offer a more diverse arena of financial services to his clients.

George specializes in Estate Tax Planning, Senior Settlements, Annuities, Life Insurance, and Long-Term Care Insurance. He’s also been a member of the Million Dollar Round Table, Court of the Table, and Top of the Top Qualifier.

Plan For Your Future

There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.