Turtle Rock Financial
Your Trusted Partner in Financial Security
Introducing Turtle Rock Financial
Turtle Rock Financial is the next evolution of D.L. Horton Advisors—built for those who value long-term stability, protection, and Tax-Free and Tax-Advantaged income strategies.
We specialize in Private Pensions, Index Universal Life (IUL), Term and Permanent Life Insurance, Annuities, and 401(k) Rollovers—designed to protect your wealth, eliminate unnecessary risk, and create income you can’t outlive.
With strategies that include a Zero Floor—protecting against market loss—we focus on what matters most: security, consistency, and control over your financial future.
Real planning. Real protection. Built to last.
Employee Group Life Insurance
- We are dedicated to helping business owners like you to secure the future of your company and employees with Group Term Life, Retirement Plans, Key Person Life Insurance and Workers' Compensation. As your trusted partner, we provide the best rates, tailored solutions, and top-tier service to meet your business's unique needs. Let's build a stronger, more secure future - together!
Private Pensions and Life Insurance
- Under the leadership of Daryl Horton, our team of financial professionals brings over 50 years of combined experience in guiding families and businesses toward financial success. Daryl Horton and his team are passionate about enhancing your financial portfolio through strategic analysis, innovative solutions, and tailored wealth-building concepts. retirement specialist pension advisors retirement advisor
Tax Buckets for Retirement Planning
smart money solutions
Why Clients choose us?
smart money solutions
- Tax-Free (No Taxes Due Later) – Assets in this bucket grow and can be withdrawn tax-free, helping to shield your retirement income from future tax increases. Examples include: Indexed Universal Life (IUL) policies and Roth IRAs.
- Taxed Tomorrow (Deferred Taxes) – Contributions grow tax-deferred, but withdrawals in retirement are fully taxed as ordinary income. With rising national debt, future tax rates could be higher, reducing your net retirement income. Examples include: Traditional IRAs, 401(k)s, 403(b)s, and 457(b) plans.
- Taxed Today (Annual Taxation) – Income and investments in this category are taxed annually, potentially reducing long-term growth. This includes salaries, interest, dividends, rental income, and other taxable investments.
*Strategically balancing these tax buckets can help optimize retirement income, reduce tax burdens, and provide greater financial flexibility.
Advisors Advantage
Why Clients choose us?
smart money solutions
- We have established strong strategic partnerships with some of the most reputable financial institutions in the industry, including National Life Group, North American, Pacific Life, Fidelity, Banner, AIG, Principal, Lincoln Financial, and several others.
- These relationships allow us to offer a diverse range of financial and insurance solutions, ensuring our clients receive top-tier products, competitive rates, and innovative strategies tailored to their unique needs.
- Through these partnerships, we provide access to industry-leading resources, financial stability, and comprehensive support to help our clients build and protect their wealth with confidence.
- Our collaboration with these institutions also enables us to stay ahead of market trends and regulatory changes, ensuring that our clients benefit from the latest financial strategies and opportunities.
Why Clients choose us?
Why Clients choose us?
Why Clients choose us?
- Tailored Financial Solutions – Selecting the right retirement and insurance products for your family or business is a critical decision that impacts your long-term financial security. With a vast array of coverage options available, navigating the choices can feel overwhelming.
- Expert Guidance & Clarity – Our team simplifies the process by assessing your unique financial goals, risk tolerance, and long-term plans. We provide personalized recommendations that align with your needs, ensuring you make informed, confident decisions.
- Confidence in Your Future – Our mission is to empower you with knowledge and customized financial strategies that secure your future, protect your loved ones, and support your business. With our expertise, you can move forward knowing your financial well-being is in trusted hands.
plan now for tomorrow!
Tax-Free Strategies
Advantages of Indexed Universal Life (IUL) Over a 401(k)
- Tax-Free Growth & Distributions - Unlike a 401(k), which is tax-deferred, an IUL allows your cash value to grow tax-free. When you take distributions from a 401(k) in retirement, you will be taxed on the entire amount—contributions and gains—at potentially high tax rates (32% or more). With an IUL, you can access your funds tax-free through policy phantom loans, avoiding future tax hikes.
- No Contribution Limits - 401(k) Has annual contribution limits set by the IRS. An IUL, on the other hand, does not have strict contribution caps, giving you greater flexibility in funding your retirement.
- Market-Linked Growth Without Market Losses - While a 401(k) is directly exposed to market fluctuations, an IUL provides the opportunity for growth based on stock market index performance, but with downside protection. Your cash value is never directly invested in the market, which means you can earn interest when the market performs well but won’t suffer losses in a downturn.
- No Required Minimum Distributions (RMDs) - 401(k) requires you to start taking taxable withdrawals at age 73, regardless of whether you need the money. With an IUL, there are no RMDs, giving you control over when and how you access your funds.
- Protection Against Rising Taxes - With the U.S. national deficit in the trillions and growing, it’s likely that tax rates will rise in the future. A 401(k) exposes you to potential tax increases when you start taking distributions. An IUL allows you to lock in tax-free income, protecting you from uncertain future tax rates.
- Access to Funds Before Age 59½ - With a 401(k), early withdrawals before age 59½ come with penalties and taxes. An IUL allows you to access your cash value at any time without early withdrawal penalties, providing financial flexibility.
- Built-In Life Insurance Benefits - Unlike a 401(k), an IUL provides a death benefit, offering financial security for your loved ones in addition to retirement savings. This ensures your family is protected while you build wealth.
- Supplement Your 401(k) with an IUL - Instead of relying solely on a tax-deferred 401(k), you can diversify your retirement strategy with an IUL. This allows you to enjoy tax-free growth, protect yourself from rising tax rates, and gain financial flexibility in retireme
Our Guiding principles
- We strive to build meaningful and rewarding relationships with our clients. Our focus is to listen, resolve, teach, and execute the best strategies. Allow us to grow your wealth and protect your legacy.
- Our agency provides exceptional service through organized, highly skilled professionals who identify each client's individual needs.
- We are committed to delivering personalized financial solutions that evolve with your goals and changing life circumstances.
Life Insurance
Benefits of Term Life Insurance
*10 - 15 - 20 - 30 - year plans. *Lower cost up front.
*Return of Premium Option available. *Mortgage Protection.
Benefits of Indexed Universal Life
*Tax - Free Income at any age.
*Gains grow tax-free inside this policy.
* Flexible - Monthly or Yearly Contributions.
* Guaranteed Indexed Growth with No Market Risk.
Benefits of Parmanent Life Insurance
*Lifetime Coverage. *Premiums will not increase. *Long - Term Care. * Guaranteed Covered for individuals 50 and older with (GUL).
peace of mind with financial growth
PROTECT YOUR FUTURE NOW
It's never too early to get started on your retirement plans. Tell us more about your goals and we'll get you started on a plan to achieve them.
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D.L. Horton Advisors
610 Santa Monica Blvd, Ste 216, Santa Monica CA 90401
Principle. Daryl Horton Phone. 310-490-3011 Email. daryl@dlhortonadvisors.com CA License number - 0M04571
Hours
Monday - Friday: 9am - 7pm
Saturday - By appointment
Dl Horton Advisors "Sets You Free"
DL Horton Advisors, we help individuals and families protect their future and build wealth through smart, tax-advantaged financial strategies. Whether you need life insurance, a private pension, 401(k) rollover, or a plan to generate guaranteed retirement income, Led by Daryl Horton.
Build a lasting legacy
Ensure Your Financial Future Today!
- Achieve financial security with tax-free supplemental income and personalized private pension strategies.
- Safeguard your life and assets with IUL, permanent, and term life insurance for lasting financial security and peace of mind.