Accepting new clients

Insurance, retirement, and tax — handled in slow conversations.

An independent practice for first-generation families. We look at your number together, then decide — no script, no products pitched, no pressure to put anything in place on the first call.

Book a 20-min call Run my retirement number →

Typical first call: 20 minutes · No-obligation review · Calls returned within one business hour

Projected — a sample profile

$1.27M

What a 45-year-old saving $1,500/month could have by age 65.

Run yours →

20 min

first call · no script

Independent

no carrier captive contract

to run your number

Multi-carrier

independent broker

THE DIMEGUARD NUMBER

See where you stand in 90 seconds.

Five inputs. A real projection. No signup — your numbers stay on this page.

The projection updates live as you type, using the same math as the first call — so what you see here is the same starting point we’d work from together.

· THE DIMEGUARD NUMBER

Live · 90 sec

Age

Retire at

Saved

Spend / mo

Projected, ages 45 → 65+7% pre-retirement

Your number

$1.27M

vs $1.80M needed for $6,000/mo target income

Run my number →

Estimate · 7% pre / 5% in-retirement · 25-yr drawdown · stress-tested both ways. Not advice — for informational purposes only.

What I help with

Three things, done carefully.

Most families I work with want help in the same three areas. Pick the one that’s most on your mind.

Retirement

Retirement planning

Map your current savings, contributions, and target income to see if you’re on track — and what the gap looks like if you’re not.

Run the retirement check

Insurance

Life & disability

A short conversation about who depends on your income, what they’d need, and which term or permanent coverage may fit your situation.

Estimate your coverage

Resources

Planning tools

Free spreadsheets for net worth tracking and monthly budgeting. Built for the conversations I have with clients every week.

See the tools

Meet Saral

Saral Toms

Insurance & Retirement Advisor · Dimeguard

Saral works one-on-one with first-generation families in their 40s and 50s on insurance, retirement, and tax-aware planning — based in Mountain House, serving the Central Valley.

More about Saral →

How it works

A first call is mostly listening.

No spreadsheet shared. No products pitched. The goal is to understand where you are and whether I’m the right fit.

Book a 20-min call

01
Tell me what’s on your mind.
A quick form or 20-minute call. Whatever’s easier for you.
02
We look at the numbers together.
I’ll walk through what your current setup looks like and where the gaps may be.
03
You decide what’s next.
If there’s a fit, we keep talking. If not, you leave with a clearer picture either way.

Questions

Common questions, answered plainly.

Do you charge for a first conversation?

No. The first call is a 20-minute conversation to see whether we’re a fit. If we keep working together, I’m paid by the insurance carrier on any policy you choose to put in place.

Are you licensed outside of California?

I’m licensed as an insurance broker in multiple states, including California. If you’re outside California, mention your state on the first call and I’ll confirm I can serve you.

Do you give investment or tax advice?

No. I’m an insurance-only broker. The site shows estimates and frameworks; for tax filing or investment management, I’ll refer you to a CPA or RIA I trust.

What if I just want to download the spreadsheets?

That’s fine — the resources page has the net worth and monthly budget files. I’ll send them by email; no sales call required.

Ready when you are

A 20-minute call may save you a year of wondering.

No pressure, no jargon. Just a clear-eyed look at where you stand and what your options are.

Book a 20-min call

Saral Toms is a licensed insurance broker. Insurance-only licensure. Not investment, tax, or legal advice — for informational purposes only.