Our Location

2900 S Harbor Blvd, Suite #225, Santa Ana, CA 92704

Welcome To Andreal Financial Group

Experts In Financial Planning

Helping individuals, families and businesses secure and build their financial future with confidence

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5/5 (100+ Reviews)

500+

Successful
Clients

Andrea Le

Licensed Independent Broker

License # 4205385

Cell: (714) 654-5903

Founder – Andreal Financial Group

At Andreal Financial Group, we believe true wealth is more than just money. It’s about peace of mind, protection, and the ability to create a legacy that lasts for generations.

With over 25 years of experience as a pharmacist and business owner, I’ve witnessed the emotional and financial impact that unexpected life events can have on families. As a mother, entrepreneur, and financial strategist, my passion lies in helping individuals, families, and businesses design a life of financial confidence—one that includes protection, growth, and generational wealth.

We specialize in strategies that provide tax-free income after your W2 years, so when the paychecks stop, your tax-free income doesn’t. Our solutions are designed to create lifetime income, optimize your wealth, and offer living benefits that provide income protection if you become ill or unable to work.

I combine my healthcare background with sound financial planning principles to offer practical, tax-efficient strategies that help you keep more of what you earn, prepare for retirement, and safeguard your loved ones. Whether you're just starting out, looking to protect your legacy, or anywhere in between, I'm here to walk alongside you with transparency, care, and a personalized approach you can trust.

At Andreal Financial Group, your health and your wealth are our top priorities.

Columbus Life National Life Group Symetra American Equity North American (NACOLAH) Protective Gerber Life Insurance National Western Life AIG Illinois Mutual Mutual of Omaha Assurity Foresters Financial
Columbus Life National Life Group Symetra American Equity North American (NACOLAH) Protective Gerber Life Insurance National Western Life AIG Illinois Mutual Mutual of Omaha Assurity Foresters Financial
Our Services

Financial Planning Solutions

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Wealth Preservation
Wealth Preservation

Secure your family’s future for generations to come. Our tailored wealth preservation strategies are designed to protect your assets, minimize taxes, and ensure your legacy is passed on smoothly and meaningfully to those who matter most.

Infinite Banking
Infinite Banking / Premium Bank Finance

Unlock financial freedom by turning your life insurance into your own private bank. Access funds through policy loans while your cash value keeps growing—putting you in charge of your money, goals, and long-term stability.

College Savings
College Savings

Give your children a strong start with a smart education savings strategy. We offer flexible alternatives to traditional 529 Plans that can provide greater control, tax advantages, and long-term benefits—empowering you to invest in their future on your terms.

Retirement Planning
Retirement Planning / Annuities

Prepare for a secure and confident retirement with personalized strategies built around your goals. From IRAs to insurance-based plans, we help you grow and protect your savings—ensuring lasting income and peace of mind for the years ahead.

Life Insurance Solutions
Life Insurance Solutions

Protect what matters most with life insurance solutions tailored to your goals. From term and permanent coverage to cash value plans and legacy protection, we help you find the right policy to secure your future and care for your loved ones.

401k IRA 403b TSP Rollovers
401k / IRA / 403b / TSP Rollovers

Optimize your retirement accounts with expert rollover solutions. Whether you're leaving a job or consolidating accounts, we’ll help you transition your 401k, IRA, 403b, or TSP into a secure, growth-focused plan tailored to your long-term financial vision.

Indexed Universal Life (IUL) Insurance with Living Benefits

Affordable, Temporary Coverage for Key Life Stages

Term life insurance provides flexible, cost-effective coverage for a set term, ensuring financial security during peak responsibility years.

  • Guaranteed Payout: Protect your loved ones financially.
  • Flexible Terms: Choose coverage from 10 to 30 years.
  • Affordable Premiums: Keep costs low with term options.

Lifelong Protection with Cash Value Growth

Whole life insurance offers lifelong coverage and a cash value component, providing stability and future financial options.

  • Cash Value Growth: Build savings over time.
  • Fixed Premiums: Maintain predictable, steady payments.
  • Legacy Planning: Leave behind a lasting financial gift.

Why Choose Indexed Universal Life (IUL) Insurance?

At Andreal Financial Group, we specialize in modern, high-impact financial strategies like Indexed Universal Life (IUL) insurance: a powerful, flexible tool designed for wealth building, income protection, and legacy planning.

  • Tax-free Retirement Income
  • Upside Market Potential with Downside Protection
  • Lifetime Income Options
  • Living Benefits (Critical, Chronic, Terminal Illness Protection)
  • Tax Advantages
  • Legacy Planning Made Easy
  • Flexible Premiums and Access to Funds
  • Customizable to Your Financial Plan
  • Peace of Mind, Now and Later

Protection Today, Income Tomorrow

  • Provide a tax-free death benefit for your loved ones
  • Grow cash value over time, tied to market performance, without the risk of loss
  • Create a guaranteed stream of retirement income, even after your W2 years

Tax-Free Income During Retirement

  • Access tax-free withdrawals and policy loans
  • Enjoy income without penalties or age restrictions
  • Build retirement income that isn’t taxed like a 401(k) or traditional IRA

Living Benefits That Protect You

  • Critical illness (like cancer or heart attack)
  • Chronic illness (if you need long-term care)
  • Terminal illness (to cover end-of-life costs)

Leave a Legacy, Not a Burden

  • Transfer wealth tax-free to the next generation
  • Avoid probate delays and estate taxes
  • Give your children or grandchildren a stronger financial start

Growth Without Market Risk

  • Participate in market index gains (like the S&P 500)
  • Enjoy zero loss protection during market downturns
  • Let your cash value compound safely over time

Flexibility at Every Stage of Life

  • Adjust premiums as your life changes
  • Access funds for emergencies, education, or business needs
  • Customize riders and features to match your goals

Ready to Take Control of Your Financial Future?
Let’s talk about how IUL can help you build wealth, live protected, and leave a lasting legacy — all while gaining peace of mind today.

Simplified Coverage for End-of-Life Costs

Final expense insurance covers funeral and other end-of-life expenses, providing peace of mind without burdening loved ones.

  • Quick Approval: Often no medical exam required.
  • Fixed Premiums: Predictable payments for life.
  • Affordable Coverage: Designed for budget-conscious planning.
Our Workflow

How We Help You Succeed

1

Initial Consultation

We learn about your financial goals, challenges, and future plans.

2

Personalized Planning

We craft a tailored financial strategy aligned with your lifestyle and priorities.

3

Implementation

We guide you in executing the plan—investments, savings, insurance, and more.

4

Ongoing Support

We monitor your progress and adjust your plan as life and markets change.

Case Studies

Our Financial Success Stories

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Client Testimonials

What Our Clients Say

Linh Tran

Andrea helped me understand life insurance like never before. I finally feel confident about my family’s financial future.

David Le

We used the infinite banking concept through Andreal Financial, and it changed the way we manage cash flow forever.

James Walker

Andrea made our financial goals feel achievable. Her advice gave us direction and confidence.

Michael Thompson

Andrea’s support helped us build a solid college fund. Now we feel secure about our daughter’s education.

Emily Johnson

Her retirement plan was clear and practical. I feel more prepared for the future than ever before.

Sarah Miller

Her wealth-building strategies gave us peace of mind. Andrea is knowledgeable and genuinely cares.

Jessica Nguyen

Andrea’s college savings plan gave us peace of mind. We now feel ready for our kids’ future education costs.

Kevin Pham

The retirement plan was detailed and fit our family perfectly. I now look forward to retirement instead of fearing it.

Minh Dang

I transferred my 401(k) with Andrea’s help and got better returns and peace of mind. Highly recommended.

Thanh Huynh

Very impressed with the customized life insurance plan. It’s exactly what I needed to protect my family long-term.

Emma Tran

The education Andrea gave us about generational wealth was eye-opening. We feel empowered now to make better choices.

Thao Hoang

We thought life insurance was only for emergencies. Andrea showed us it’s a powerful wealth-building tool.

Derek Vu

The team gave me peace of mind with a financial strategy tailored to my goals. It was more than I expected.

Quyen Bui

I was worried about taxes hurting my investments. Andrea’s strategies helped minimize my liability while growing my assets.

Brian Do

From start to finish, the Andreal team was responsive, knowledgeable, and trustworthy. I refer all my friends now.

Andrea Photo