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Our Qualifications

We have been working with individuals, businesses, professional Associations, and sovereign governments in California for 37 years. Our principals are located in our San Francisco Bay Area and Sonoma County Regional offices. We have business affiliations with a number of financial services offices throughout the State of California; indeed all 50 States.

Principals Richard G. Romero, JD* and David K. Romero each are graduates of the University of California, as well as California State University and have extensive insurance experience and are licensed and registered to provide insurance and securities products and solutions.

Our practice has served as the Exclusive Insurance Broker of Record for the Sonoma County Bar Association for 20 years. We have recently been appointed to exclusively provide a Disability Insurance and Long Term Care Insurance Program for the San Francisco Paralegal Association.

We are exclusive insurance brokers in Sonoma County for the California State Bar Association’s Endorsed Disability Income and Long Term Care Program. We still maintain premium discounts for disability income and overhead expense policies marketed to the Sonoma County Medical Association, Mendocino/Lake County Foundation for Medical Care, and Health Care Foundation of San Francisco (for physicians and other qualified medical providers).

As a business specialty, Romero Financial & Insurance Services has implemented life, medical, dental, vision plans, and retirement plans for sovereign governments and their economic entities throughout California for over 15 years.

Our strategic affiliate, Long Term Care Resources (LTCR), affords our office a network of 3,000 long term care brokers Nationwide and administrative services. LTCR is a national insurance agency and marketing company dedicated to Long Term Care Insurance. Clients include the American Medical Association, the American Bar Association, the American Nurses Association, and over 175 Alumni organizations.

One of the benefits of working with us is our ability to provide clear, easily understood explanations of insurance/financial products and services. The personalized program that we can provide is a roadmap to helping you work towards a more secure financial future.

We are looking forward to using our skills and experience to help you pursue your financial goals.

*JD is an educational degree and the holder does not provide legal services on behalf of the companies of the Principal Financial Group®.

Richard G. Romero is licensed in California (Ins. Lic. #0467064) to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in California.

David K. Romero is licensed in California (Ins. Lic. #0D79778) to offer health and life insurance products.

This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION: Richard G. Romero may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if he is excluded or exempted from the state's registration requirements. Follow-up, individualized responses to consumers in a particular state by Richard G. Romero that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution he represents, contact your state securities law administrator.

Insurance products from the Principal Financial Group® are issued by Principal National Life Insurance Company (except in New York), Principal Life Insurance Company, and the companies available through the Preferred Product Network, Inc. Securities offered through Princor Financial Services Corporation, 800/247-1737, member SIPC. Principal National, Principal Life, the Preferred Product Network and Princor® are members of the Principal Financial Group®, Des Moines, IA 50392. Richard G. Romero, Principal National and Principal Life Financial Representative, Princor Registered Representative. Romero Financial & Insurance Services and David K. Romero are not affiliates of any company of the Principal Financial Group®.

Principal Life maintains certificates of authority to transact insurance in all 50 states. Principal Life NAIC identification number is 61271. Principal National NAIC identification number is 71161.