Merritt Financial Services

MFS Wealth and Insurance Solutions is your trusted full-service insurance broker and wealth professional, dedicated to providing you with tailored insurance solutions to protect what matters most. Our office is located at 701 Palomar Airport Rd. Ste. 300, Carlsbad, CA 92011, and you can reach us at (760) 444-4000.

Life is unpredictable, and unforeseen events can have significant consequences, both personally and financially. At MFS Wealth and Insurance Solutions, we understand the importance of being prepared for the unexpected. As an independent insurance agency, we draw from a vast pool of insurance policies, ensuring that you receive the best coverage to meet your unique needs. Whether it's health, auto, home, or commercial insurance, our team is committed to finding the right policy for you.

Our Insurance Services

*Life Insurance*

We specialize in life insurance for the individual, offering competitive prices and features. Our product range includes Term Insurance, Permanent Insurance, Whole Life, as well as Universal or Indexed Universal Life. Life insurance is a crucial component of any estate plan, providing financial security for your loved ones in the event of your untimely demise.

*Health Insurance*

Individual, family, or business - we are the trusted source for health insurance with over 15 years of experience. We pride ourselves on offering affordable and comprehensive health insurance plans to ensure that you and your family are well-protected.

*Affordable Dental Plans*

Dental care is critical but often very expensive. We have dental plans starting at just $13 a month, providing you with the flexibility to maintain your dental health without breaking the bank.

*Disability Insurance*

Your ability to earn an income is one of your most valuable assets. If you are ever unable to earn a paycheck due to illness or injury, disability insurance will cover most of your bills and living expenses, providing you with peace of mind during difficult times.

*Long-Term Care*

Plan for your future now so you can protect your assets later. Long-term care insurance covers the cost of care when you can no longer handle your activities of daily living due to a chronic illness or disability.

Wealth Management Services

As a full-service insurance brokerage and experienced wealth professionals, our mission is to help you attain peace of mind and financial freedom. As an independent financial and insurance professional, as well as an active member of the community, Spencer Merritt is dedicated to educating individuals, families, and businesses on the financial principles of how to grow, protect, and transfer wealth.

*Tax-Favored Retirement Strategies*

We believe in educating our clients on retirement tax traps and how to avoid them. Most people have no idea of their tax liability, and it costs them dearly. Our team will work with you to create a customized tax-favored retirement strategy tailored to your unique financial situation, ensuring that you make the most of your hard-earned money.

At MFS Wealth and Insurance Solutions, we are committed to providing personalized and comprehensive insurance and wealth management services. Contact us today to schedule a consultation and take the first step towards financial security and peace of mind.