PRAM Insurance Services & Consulting

Since 1989, Professional Risk and Asset Management, DBA PRAM, and Mr. Wilson, a 35 year Certified Financial Planner (CFP), have been simplifying insurance and retirement options for clients from Main Street to Wall Street. Our goal is to make the process of building a retirement income easy and hassle free.

As a leading financial planning firm in Orange County, California, we believe in going above and beyond to provide our customers with the right financial package to fit their needs. When you work with PRAM, you will benefit from decades of experience in money management and investment allocation.


The Fixed Indexed Annuity - With so much adverse risk in the financial markets today, many investors are looking for sound returns with no loss of principal. At PRAM, we believe that few products can compete with an indexed annuity, providing strong financial guarantees with no loss due to market downsides. When accumulating funds in a tax deferred indexed annuity, you lock in financial returns for years to come, and unlike stocks or other volatile financial products, tax deferred indexed annuities can be fully guaranteed.