Who We Are
At the heart of our mission is a dedication to providing specialized insurance, investment, and retirement planning services within the United States. Our unique approach to retirement planning centers on mitigating the impact of stock market volatility, ensuring the creation of dependable streams of retirement income that will stand the test of time. Our comprehensive suite of services encompasses investment management, estate planning, tax optimization strategies, social security maximization, insurance solutions, and much more. We prioritize the establishment of reliable retirement income, the preservation of principal, and the astute management of family wealth.
As one of the largest independent and non-captive insurance brokers in the industry, we proudly collaborate with a vast network of over 90 insurance and 30 annuity companies across the United States. Our esteemed partners include industry leaders such as Allianz, National Life Group (LSW), TransAmerica, AGI, and many others. These top-tier carriers boast A+ ratings and boast a century-long legacy of unwavering commitment to excellence.
Crucially, our independence sets us apart from multi-level marketing (MLM) agencies, liberating us from the pressure to recruit downline agents or meet sales quotas to sustain our business. Our sole and unwavering focus is squarely on delivering high-quality products and services that meet and exceed our clients’ expectations.
Our dedication knows no bounds, and we take immense pride in the enduring relationships we foster with the companies we represent. Our greatest joy lies in the knowledge that we consistently meet or surpass our clients’ needs and aspirations.
How We Will Assist You
- Cost Savings: Collaborating with us translates to saving money.
- Efficient Insurance Process: We streamline the insurance process, making it faster and more user-friendly.
- Product Selection: We diligently compare products from all our partner companies to secure the best one at the most competitive rate for you.
- Unbiased Advice: Your questions will be met with impartial, honest, and invaluable guidance.
- Thorough Research: If we encounter a question to which we don’t have an immediate answer, we’ll conduct thorough research to provide you with the information you need.
- Tailored Applications: We leverage our underwriting expertise to ensure your application aligns with the most suitable insurance company for your unique circumstances.
- Options for Everyone: Even if you’ve faced coverage declines in the past, give us an opportunity; we always have alternative solutions.
- Privacy Protection: Rest assured, your information and privacy are our top priorities, and we take every measure to safeguard them.
Whether your financial goals involve wealth accumulation, family protection, or asset preservation, our personalized service centers around your specific needs, desires, and long-term objectives. Our seasoned team of professionals boasts extensive experience in the realm of financial services. We stand ready to address your present requirements and those that will arise in the years to come. We eagerly anticipate the opportunity to work alongside you on your financial journey.
Michael Tran
Financial & Investment Advisor
Email: michaelt@usainvest.com
“I really believe that my ability will take these weath building concepts and put them into effective strategies for my clients.”
CEO & Founder
At the helm of USA Investment Solutions Inc. stands Michael Tran, the CEO and Founder, with an unwavering commitment to empowering individuals, families, and businesses to achieve both financial stability and peace of mind.
Michael distinguishes himself as a rare financial advisor holding licenses in Life, Accident & Health, or Sickness insurance, as well as the coveted title of SEC registered Investment Advisor Representative (IAR). His unique qualifications empower him to guide clients toward their financial objectives through a diverse range of life insurance solutions, including Mortgage Protection, Death & Living Benefits, IUL (Indexed Universal Life), Annuities, Long Term Care, and Disability Insurance. Furthermore, Michael offers expertise in investment and portfolio management, encompassing stocks, bonds, ETFs, REITs, and more. His comprehensive approach extends to providing strategic financial planning to both pre-retired and retired individuals, as well as business owners, all with the aim of facilitating total wealth optimization and establishing dependable income sources for retirement. Michael leverages a blend of conventional and alternative asset classes to tailor the most suitable portfolios for his clients.
Throughout his career, Michael has delved deeply into the intricacies of wealth accumulation vehicles, reaching a resounding conclusion: those who attain financial success, whether as individuals, families, or businesses, possess a strong grasp of time-tested wealth-building techniques and strategies. His mission is to educate his clients on the fundamental financial principles governing wealth growth, protection, and transfer.
Michael’s core priorities revolve around risk management and tax minimization, ensuring that his clients’ financial well-being remains at the forefront. With access to the finest carriers in the market, he can offer optimal solutions and favorable terms tailored to the unique financial circumstances of each client. Michael’s dedication lies in securing the best options and deals for those he serves, cementing his reputation as a trusted advisor committed to their financial prosperity.
Our Journey and Inspirations
Before delving into the realm of the Insurance and Financial industry, Michael dedicated over two decades to the field of software engineering and architecture. He proudly earned his degree from the prestigious University of California, Los Angeles (UCLA) and further enriched his knowledge through studies at the Cal Poly Pomona College of Engineering. During this period, he laid the foundation for Solution Tech Inc., a highly successful consultancy firm renowned for its proficiency in assisting corporations of all sizes across the United States with consultancy services and software solutions.
Michael’s heart beats with a fervor for education, technology, and the realms of creative and logical thought. His inspiring journey began in 1991 when he immigrated to the United States, initially grappling with the language barrier. Remarkably, within a mere few months, he overcame this challenge and immersed himself in college-level courses, including AP Chemistry, AP Physics, and advanced mathematics at Costa Mesa High School. His academic achievements extended to the completion of all four Calculus courses at Orange Coast College even before graduating from high school. Particularly noteworthy is his feat of concurrently mastering Calculus 1 and Calculus 3 in one semester, followed by the accomplishment of both Calculus 2 and Calculus 4 (Differential Equations) at the same time in the subsequent semester. Such exceptional achievements garnered personal attention from the college dean, who had to grant him special permission, a testament to the groundbreaking nature of Michael’s accomplishments among high school students. His journey was punctuated with numerous accolades in mathematics and appearances in esteemed Vietnamese newspapers like Bao Nguoi Viet and Bao Dien Dan, all of which celebrated his outstanding achievements. Michael’s passion, unwavering determination, and sense of responsibility were pivotal in guiding his clients to realize their goals in software development successfully.
In 2018, a significant transformation occurred in Michael’s life as he discovered the invaluable benefits of Life Insurance. Driven by a profound desire to leave a lasting positive mark on people’s lives, he embarked on a journey to become a licensed agent. His motivation was rooted in a deep appreciation for the vital role of life insurance, serving as a financial safety net for loved ones during challenging times, whether it be due to the policy owner’s passing, disability, or illness. This safety net ensures that beneficiaries receive the financial support they need to cover various expenses, including funeral costs, mortgage or rent, daily living expenses, and educational pursuits for children.
Beyond his professional pursuits, another profound source of motivation for Michael is his unwavering admiration for his father. His father, a renowned family doctor in Thu Duc, Vietnam, garnered acclaim not only for his medical expertise but also for his selfless dedication to helping others. Michael holds dear the memories of his father’s compassionate acts, which included providing free physical examinations and medications to those less fortunate at his private office. On occasion, his father even extended financial aid to underprivileged patients to facilitate their journey home. His father’s life story epitomizes resilience and unwavering determination. Despite growing up in modest circumstances, he pursued his dream of becoming a doctor and eventually achieved the esteemed rank of a proud army Major doctor in Southern Vietnam. His journey was marked by enduring the hardships of the Vietnam War, including a three-year internment in a “re-education” camp (Trại cải tạo), where he displayed remarkable resilience. Upon his release, he embarked on the path of rebuilding his life and eventually assumed the role of department director at the largest hospital in Thu Duc City. However, just as his life began to regain momentum and he could once again extend help to others, he made a profound sacrifice for the future of his children. After immigrating to the United States, despite being 55 years old and facing the challenge of the English language barrier, he pursued studies to become a Doctor of Chiropractic. Within a span of a few years, he not only attained his diploma but also graduated as the top student (Valedictorian) in his class. Once again, he was able to open his clinic and start a new life and he became the main provider for his family in the US, and his relatives in Vietnam, as well as helping the unfortunate people. His father’s unwavering dedication and selflessness, both in caring for his family and aiding the less fortunate, continue to serve as an enduring wellspring of inspiration for Michael.
After obtaining his license, Michael was determined to find a company where he could work part-time as an insurance agent. However, his search proved to be challenging. He was reluctant to work for a captive broker, as it would restrict him from selling only their products, preventing him from providing unbiased recommendations from a broader range of insurance carriers. Michael also received offers from local MLM (Multi-Level Marketing) companies to become their agent. Nevertheless, he declined these opportunities due to their primary focus on recruitment and their complex hierarchical structures, which placed undue pressure on agents to recruit and generate sales, often targeting friends and family. Michael desired independence and freedom from such pressures, enabling him to offer honest consultations to his clients, even if they chose not to purchase a product. Consequently, he decided to establish his insurance brokerage, the only way he could fully meet his clients’ needs. His unwavering commitment was to act in the best interest of his clients, ensuring that the strategies he recommended delivered greater value and superior benefits compared to their current plans.
Moreover, Michael aimed to leverage his expertise in software development to create an all-encompassing website with extensive educational resources. This platform would empower clients to gain in-depth knowledge about insurance, investment, retirement planning, and strategies for safeguarding and growing their wealth efficiently. Michael organized numerous online seminars to educate those interested in financial planning. Additionally, he intended to utilize his skills and cutting-edge technology to assist clients in efficiently and accurately planning their finances and retirements.
After several years working as an independent insurance broker, Michael achieved a significant milestone by passing the FINRA Series 65 (Uniform Investment Adviser Law exam) and registering as an Investment Advisor Representative under the Securities and Exchange Commission (SEC). This accomplishment enabled Michael to offer clients a comprehensive financial solution encompassing tax-free life insurance strategies, annuities, long-term care insurance, as well as a diversified investment portfolio spanning stocks, bonds, ETFs, REITs, and more.
Michael’s unwavering philosophy revolves around acting in the best interest of his clients. He diligently ensures that the strategies he recommends consistently deliver superior value and benefits compared to their existing plans. Whether clients seek to enhance their current financial plans, require a second opinion on their portfolios, aspire to retire soon, or are preparing for various financial scenarios, Michael and his team stand ready to guide them every step of the way. Throughout their journey, they remain committed to the promise of prioritizing their clients in every decision and demonstrating this commitment in every client interaction.
Beyond his professional life, Michael finds joy in outdoor activities such as hiking and biking, as well as traveling and spending quality time with his wife, son, and daughter. Michael also dedicates his time and resources to charitable endeavors, actively contributing to projects that address children’s welfare and combat poverty both in the United States and internationally. His charitable interests reflect his commitment to making a positive impact on the lives of those in need.
OUR TOP INSURANCE CARRIERS
We work with 90+ Insurance Companies and find the best rate and best benfits for you.
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