What is Five Rings Financial / 5RF Agency?

Five Rings Financial (5RF Agency) is a financial planning and advisory firm based in Carlsbad, California. They help individuals, families, and small businesses with strategies for retirement, tax-efficient planning, protection, and wealth growth.

What services do you offer?

Their services include Small Business Planning, Tax-Free Retirement strategies, Living Benefits, Mortgage Protection, Private Pension Planning, and College Planning for children's education.

Robin Kemp is a Senior Vice-President at Five Rings Financial, author of 'Protect and Grow Wealth', and a financial advisor with over 18 years of experience.

How do I get started? Do you offer a free consultation?

Yes. They offer a no-obligation consultation that’s quick and easy. You can contact them by phone, email, or schedule via their contact page.

Are your retirement strategies tax-free?

They offer 'Tax Free Retirement' strategies using financial instruments like Indexed Universal Life (IUL) or similar products that allow tax-advantaged growth or distributions.

What is Living Benefits?

Living Benefits allow access to life insurance funds while alive in case of serious illness, chronic disease, or qualifying conditions — offering protection beyond death benefits.

How is mortgage protection handled?

Mortgage protection ensures your home loan is covered in the event of disability, death, or serious illness so your family isn’t burdened with payments.

Can you help with college planning?

Yes, they provide financial strategies to help families plan and save for children's education effectively.

What is your physical address / contact information?

Address: Downtown Works, 2011 Palomar Airport Road, Suite 101, Carlsbad, CA 92011. Phone: 760-845-3567 (cell), 760-434-7868 (office). Email: rkemp@5rfagency.com.

Is Five Rings Financial licensed?

Yes, they are licensed under California License #0C75399.

Do you host events or educational sessions?

Yes, they host events like Wine, Women & Wealth, Money 101, and Money, Mommy & Me — focused on financial education.

Is your website accessible / ADA compliant?

The site uses the WP ADA Compliance Check plugin and invites users to report any accessibility issues through the contact form.

What is a tax-free retirement strategy?

A financial approach using tools like certain life insurance policies or retirement accounts that allow tax-free growth or withdrawals under specific conditions.

How do living benefits in life insurance work?

They provide access to a portion of life insurance benefits while alive if the policyholder suffers a major illness or meets specific qualifying conditions.

Why should small businesses use key person coverage?

Key person coverage provides financial protection for a business if a critical employee dies or becomes disabled, helping maintain stability and operations.

How can mortgage protection benefit my family?

Mortgage protection ensures that your home loan payments can continue in case of death, disability, or illness, safeguarding your family's home and finances.

Is Five Rings Financial right for me if I live outside California or the U.S.?

Their services are primarily designed for U.S. residents, especially in California. Contact them directly to discuss options if you live elsewhere.

Will my consultations cost anything up front?

No, they emphasize a no-obligation initial conversation, meaning the first consultation is free.

What is an IUL (Indexed Universal Life) policy and how is it used in retirement planning?

An IUL is a life insurance policy where the cash value grows based on a stock index like the S&P 500, providing tax-advantaged growth for retirement planning.

Five Rings Financial

Helping you get the most out of life.

Name: Five Rings Financial
Address: 2011 Palomar Airport Road, Suite 101, Carlsbad, CA, 92011, US
Telephone: 760-845-3567

Let us help you safeguard your family’s future while you focus on living your best life. Discover the peace of mind that comes with having the right financial plan in place.

Explore The Options

1 k

Protected families by Five Rings Financial in 2026

1 k

Americans turning 65 daily, only 36% have a retirement plan

1 in 4

Americans do not have retirement savings today

Free Business Insurance Consulting

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Diverse Plans for your Needs

Our expertise lies in helping clients create a robust and enduring financial foundation for the future. For most people, this process begins with safeguarding what they already possess—their income, retirement savings, home, or perhaps even their own business. Together, we’ll pave the path towards building a secure and prosperous financial future.

Small Business Planning

Key person coverage, buy-sell agreements, risk transference, and more...

Tax Free Retirement

Tax-Free Retirement with IUL is a smart and strategic approach to building...

Living Benefits

Are you still protecting your family and finances with the "old kind"...

Mortgage Protection

A Mortgage Protection Plan is the smartest, most efficient way to safeguard your most important asset.

Private Pension Planning

Looking for a way to secure your financial future and generate a steady stream of income during retirement?

College Planning

Setting up a properly-designed IUL for your child as early as possible can put them on a fast track to financial success as they reach…

about me

Get to Know Robin.

No-obligation conversation is quick and easy

Scheduling a free

Robin Kemp is a Senior Vice-President with Five Rings Financial, a published author of the book Protect and Grow Wealth (available on Amazon and Kindle), a speaker and host of local Wine, Women & Wealth events. With over 18 years of industry experience, Robin is committed to educating and helping middle income Americans sleep well at night by protecting and growing their wealth. Robin has raised 3 boys and currently lives in Carlsbad, CA with her husband, a rescue bunny and a fish.

Build a Solid Foundation for Your
Financial Future

Our modern financial solutions provide protection, security, and peace of mind for individuals and their loved ones.
Contact us today to get started.

Secure Your Future

Did you know that securing your future is just a conversation away?

Retirement isn’t just a distant dream—it’s the ultimate reward for a lifetime of hard work. Imagine a time when you can truly relax, enjoy life, and savor every moment. Yet, astonishingly, many people spend more time planning their next vacation than they do planning for their retirement.

Don’t leave your future to chance. Talk with us today and start planning for a retirement that’s as rewarding as your career.

For many, the idea of retiring can bring about several fears and anxieties.

From financial concerns to worries about losing a sense of purpose, these fears are common. But understanding and preparing for them is key to making retirement a time of true enjoyment.

A few of largest fears people have about retirement include:

Outliving savings: Inflation, market downturns, and healthcare costs can make this a real concern.
Health issues: As life expectancy increases, healthcare costs can significantly impact retirement savings.
Boredom: Those who have had successful careers may worry about losing their sense of identity and purpose.
Financial support for adult children: Many are concerned about continuing to support their grown children financially.
Other fears: Include losing purpose, insufficient healthcare coverage, loneliness, inability to afford long-term care, and aging.

We can’t solve all of these concerns, but we can certainly try our best!

Our favorite solutions include private pensions to ensure you don’t outlive your money and Living Benefits to address health concerns. If boredom strikes, start a second career with us. And if your grown children need financial support, they can work with us too!

Don’t let fear dictate your future. Plan with us today for a retirement that’s as fulfilling as your career.

Five Rings Financial Achievements (2026)

Protected 25,000 families.

Placed $23.3 million in life insurance.

Added 4,674 new agents to support our mission.

Career Insights

Financial Advisor is listed as a Top 10 Best Job of the
Future according to the U.S. Bureau of Labor Statistics.

“

client testimonials

How we’ve helped.

Don’t just take our word for it! Learn about how Living Benefits have protected our real clients and their families.

“

They didn't have Living Benefits back then.

At the age of 25, Steve Smith was given a frightening diagnosis of stage four Hodgkin's disease. Steve endured an aggressive treatment plan that included six months of chemotherapy and 13 radiation treatments. During his treatment, Steve had no life insurance and Living Benefits did not exist, which resulted in significant emotional and financial stress. Now, as a survivor, Steve emphasizes that up to 70% of the American population is either uninsured or underinsured, underscoring the need for proper life insurance coverage with Living Benefits.

Watch Steve's full story

“

I tell everyone I know about Living Benefits.

When busy mom and small business owner Natalia Oliveira began feeling pain in her back that wasn’t going away, she went to the doctor to get it checked out. Cancer was the furthest thing from her mind. Watch as Natalia shares the story of her diagnosis and ensuing battle with Hodgkin's lymphoma. Her Living Benefits life insurance policy kicked in to put $280,000 in her hands, saving her family and business from financial ruin.

Watch Natalia's full story

“

This is your future that you're thinking about.

Latasha McCray had all of her ducks in a row - she was in perfect shape, had a great job and a financial plan for the future. But when a breast cancer diagnosis turned her world upside down, Latasha found all of her well-laid plans crumbling around her. Watch as Latasha tells the story of how her Living Benefits life insurance plan sprung into action at the time she needed it most, leaving her plenty of money to replace her lost income and pay for all of her medical treatments en route to a full recovery.

Watch Latasha's full story

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FAQs

Frequently Asked Questions

What services does 5RF Agency provide?

5RF Agency provides financial planning and risk management services including retirement strategies, tax-advantaged planning, living benefits, mortgage protection, private pension planning, and college funding strategies. These services combine life insurance structures with long-term planning tools to support individuals, families, and small businesses.

How does 5RF Agency help with tax-free retirement planning?

5RF Agency uses financial instruments designed to grow or distribute funds with reduced or no income tax in retirement. These tax-efficient strategies often involve indexed universal life insurance and other vehicles to help manage future tax exposure and provide potential income streams.

Why should I consider living benefits in a life insurance plan?

Living benefits let you access a portion of your life insurance value while alive if you experience qualifying illness, injury, or chronic condition. This feature helps cover medical or living costs when they arise, increasing policy flexibility and financial protection.

Is 5RF Agency suitable for small business financial planning?

Yes. 5RF Agency supports small business planning with solutions such as key person coverage, buy-sell agreements, and business continuation strategies. These help protect businesses from financial disruption due to unexpected life events affecting critical personnel.

Can 5RF Agency help with college financial planning?

Yes. 5RF Agency assists families by structuring plans that focus on saving for education, protecting assets, and potentially reducing student loan debt while preserving eligibility for financial aid where possible.