I grew up in Orange, California, and have lived in Irvine for the past seven years with my husband, Taylor, and our two daughters, Ava (7) and Astra (3). Ava is in 1st grade at Newport Christian School, while Astra attends Newport Montessori School. Our family enjoys tennis, golf, attending church at Liberty Baptist, and spending quality time together.

I began my career in luxury retail management, where I developed a strong business acumen and an understanding of clients’ needs. After earning a bachelor’s degree in business administration from California State University, Fullerton, I pursued my enthusiasm for fashion at the Fashion Institute of Design & Merchandising in Los Angeles. However, life led me to the financial services industry, a field I never imagined but one that has become my true passion.

Life-changing events opened my eyes to the importance of legacy protection.  I realized that it’s not just for beneficiaries, but a powerful tool for the living—helping individuals and business owners with financial confidence, tax advantages, wealth building, and protecting what matters most.

A pivotal moment came in 2020 when my mother was diagnosed with cancer shortly after retiring. Since Medicare didn’t cover most long-term care services, our family had to explore alternatives to manage her medical bills. I learned about income preservation which has significant tax-free benefits for long-term care and terminal illness. Although it was too late for my mother to qualify for this program, the benefits of a family security plan left a lasting impact on me.

This experience inspired me to help friends and family with customized financial strategies, demonstrating how life insurance has evolved and can benefit individuals while they're still alive.  It also motivated me to help small business owners navigate financial options to ease the strain associated with business disruptions and significantly lower tax burdens.  My mother’s passing in 2022 further solidified my commitment to guiding others in making informed financial decisions and protecting them from the uncertainty we faced.

Today, I combine my business background with my passion for helping others to have financial safety. I focus on building meaningful client relationships, fostering collaboration, and ensuring clear communication. Our parent company, Aegon, is a global leader in financial services, based in the Netherlands, with a U.S. presence through Transamerica. We operate under the larger network of World Financial Group (WFG), which I partner with top financial institutions, including Pacific Life, Nationwide, Allianz, Voya Financial, Fidelity, and MetLife, just to name a few.  This allows me to offer a wide range of solutions tailored to meet the unique needs of my clients.

I also founded Star Life Financial to modernize this traditional yet misunderstood industry and make financial advice more accessible, sharing insights on platforms like Instagram.

I’m grateful to be part of this community’s publication, which understands the importance of protecting assets and growing wealth through diversification and strategic risk management.

Even experienced investors and high-net-worth individuals can benefit from specialized financial services when they face complex scenarios or seek opportunities to optimize tax advantages without market risk.

If a resident or business owner is looking to generate life-long income at retirement or bespoke financial vehicle strategies, then these are areas where my expertise in financial services can make a significant impact.  Additionally, for those seeking to refine their financial confidence, navigate multi-generational wealth transfer, or protect assets from unforeseen economic shifts, professional guidance can be crucial.

Feel free to reach out on my cell at 714-856-4758 or email me at gina.kelley@thewfginfo.com. I look forward to helping you navigate a financial safety net for you and your loved ones, leaving no family left behind.