Innergy Financial San Diego — Innergy Financial & Insurance Services is a San Diego financial services firm, founded in 2020 per LinkedIn, that pairs insurance products with planning education under the tagline “Where Mindset Meets Money.” The downtown office sits at 1855 First Avenue, Suite 103, San Diego, CA 92101.
About Innergy Financial
Innergy’s website states the firm helps clients build a “healthy relationship” with money through customized strategies reflecting personal identity and long-term goals. The company describes itself as an insurance and financial services practice—not a registered investment adviser brand on its public homepage—and emphasizes a six-step complimentary strategy process beginning with listening rather than selling on the first appointment.
LinkedIn lists approximately six employees and headquarters in San Diego, with an additional listed presence in Switzerland. Public testimonials name team members including Karlo and Anna assisting young families, veterans, and business owners. Verify individual agent licenses on the California Department of Insurance portal before purchasing policies.
Services and practice areas
- Retirement planning — 401(k)/IRA rollovers, indexed annuities, 403(b), 457, SIMPLE, SEP, and Roth strategies per site copy.
- Life insurance — term, whole, universal, index universal, final expense, and policies with living benefits for critical or chronic illness.
- College planning — tax-advantaged savings approaches and financial-aid considerations.
- Business owner strategies — defined benefit/contribution plans, executive bonus, buy-sell, key person, and split-dollar arrangements.
- Credit and cash-flow education — debt reduction and credit-building steps within the six-step framework (not a credit repair law firm).
Carrier partners publicly named include Lafayette Life, National Life Group, Allianz, National Western, Fidelity & Guaranty Life, Foresters Financial, AIG, and Prudential—confirm current appointments for each product.
Who they serve
Innergy targets San Diego individuals, families, and business owners seeking insurance-led financial plans, including military veterans and Monster Energy corporate professionals cited in testimonials. The firm also recruits new licensed financial professionals through its website career section.
The Innergy Media Hub publishes short educational videos on compound interest, tax buckets, and living-benefit life insurance—useful for prospects who prefer self-paced learning before a strategy session. Business owners evaluating executive bonus or key-person designs should request illustrations showing tax treatment, vesting, and exit scenarios for each proposed carrier.
Languages and accessibility
Website and media hub content reviewed in English. Bilingual advisors were not confirmed on desk review. Suite 103 in the First Avenue building is in downtown San Diego; confirm parking, elevator access, and appointment-only policies before visiting.
Location and contact
- Address: 1855 First Ave. #103, San Diego, CA 92101, United States
- Phone: +1 858-751-4482
- Email: [email protected]
- Website: innergyfinancial.com
Frequently asked questions
Is Innergy Financial a fiduciary investment adviser?
Public materials emphasize insurance and planning education. If you need discretionary investment management, verify whether the representative holds appropriate securities registrations and ask for Form ADV or brokerage disclosures.
Does Innergy sell annuities and life insurance only?
The website highlights annuities and life products alongside retirement rollovers and business planning. Request illustrations showing fees, surrender charges, and guarantees before purchasing.
How do I schedule a consultation?
Use the website booking links or call 858-751-4482. The firm states it responds within 24 hours and does not close business on the first meeting.
Last verified (desk review): July 2026 — NAP and services from innergyfinancial.com and LinkedIn company profile.
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Not financial or investment advice. Verify premiums, surrender charges, policy illustrations, and agent license numbers on California DOI records before committing.
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