Five Rings Financial
Helping you get the most out of life.
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.
Protected families by Five Rings Financial in 2024
Americans turning 65 daily, only 36% have a retirement plan
Americans do not have retirement savings today
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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
Tax Free Retirement
Mortgage Protection
Private Pension Planning
College Planning
about me
Get to Know Robin.
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.
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Financial Future
Our modern financial solutions provide protection, security, and peace of mind for individuals and their loved ones.
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Secure Your Future
- 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.
Five Rings Financial Achievements (2024)
Career Insights
Future according to the U.S. Bureau of Labor Statistics.
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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.
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Frequently Asked Questions
Five Rings Financial (5RF Agency) is a financial Educator & Author based in Carlsbad, California. They help individuals, families, and small businesses with strategies for retirement, tax-efficient planning, protection, and wealth growth.
Their services include:
- Small Business Planning
- Tax-Free Retirement strategies
- Living Benefits
- Mortgage Protection
- Private Pension Planning
- College Planning (financial strategies for children’s education)
Robin Kemp is a Senior Vice-President at Five Rings Financial, the author of Protect and Grow Wealth, speaker, host of local financial education events, and a financial advisor with over 18 years of experience.
Yes, the site mentions a “no-obligation conversation” which is “quick and easy.” You can contact them via phone, email, or schedule via their contact or consultation page.
They offer what they call “Tax Free Retirement” strategies, which likely involve financial instruments that allow tax-advantaged growth or distributions (for example, indexed universal life (IUL) or other life insurance / investment hybrids). You should ask for details as tax laws, risks, and suitability vary by individual and by jurisdiction.
Living Benefits refers to life insurance policies that provide access to funds while the insured is alive, in case of serious illness, chronic disease, or other qualifying conditions. It gives flexibility beyond just the death benefit.
Mortgage protection is a service designed to ensure that your home loan is safeguarded in case of disability, death, or serious illness, so that your family is not burdened with payments
Yes, they assist with structuring plans (e.g. saving, protecting, possibly combining life / investment elements) to provide financial support for education
Address: Downtown Works, Five Rings Financial, 2011 Palomar Airport Road, Suite 101, Carlsbad, CA 92011
Phone: 760-845-3567 (cell) / 760-434-7868 (office) / Fax: 760-683-3179
Email: rkemp@5rfagency.com
Yes, on their site they list a California license number: #0C75399
Yes, they list events such as Wine, Women & Wealth, Money 101, Money, Mommy & Me, and other financial education gatherings
The site indicates it uses the “WP ADA Compliance Check plugin” and encourages users to report any accessibility issues via a contact form.
A strategy using tools (like certain life insurance policies or retirement vehicles) that allow growth or withdrawals without (or with reduced) income tax, subject to conditions.
They let you access a portion of your life insurance benefits while alive if you suffer a serious illness, chronic disease, or meet qualifying conditions.
Key person coverage helps protect a business financially if a critical employee becomes disabled or dies, by providing funds for business continuity.
It ensures that your mortgage payments can continue in the event of your death, disability, or illness, reducing financial strain on your family.
You’ll need to ask them directly, financial rules and instruments differ by state and country. Their strategies may be tailored to U.S. law, especially California.
Their site emphasizes “no-obligation conversation”, implying the initial consult is free. But confirm with them to be sure.
An IUL is a life insurance policy where the cash value can grow based on a stock index (e.g. S&P), with downside protection. It’s often used for tax-advantaged growth in retirement planning.