Charton Financial Group strives to serve as a leading provider in the delivery of wealth management, risk management and employee benefit strategies. We define our role as advocates on behalf of affluent individuals, families and organizations who require highly specialized, comprehensively independent and integrated financial services. Charton Financial Group is proud to have served our clients for nearly four decades and in that time we are proud to have earned the reputation as qualified industry professionals. Our professionals share a singular focus centered entirely on advancing the interests of our clientele. We take great pride in the scope and depth of our organization which enables us to remain authentic to our mission, employ our guiding core values and pursue the greatest impact in support of our client objectives. As we partner with our clients to understand their specific needs, goals and visions, we leverage our independent business model to offer our clients holistic planning and access to a broad universe of robust experience, products and services. This client centric model empowers us to bring together dynamic innovation, preferred relationships, advanced resources and extensive decision and implementation support services. In that spirit, we aim to empower our clients to preserve what is important, inspire the creation, seek growth and preservation of assets, effectively manage risk and to help organizations advance their human and financial capital. We endeavor to bring our individual and corporate clients balanced strategies to help them prosper long term and Envision Optimized Returns In Life ®

With decades of experience supporting businesses, families, and clients of all sizes throughout the West and across the country, our team combines the expertise of prominent agencies who provide services in industries including technology, manufacturing, construction, real estate, cannabis, social services, and risk management compliance. Together, we serve clients as trusted advisors to protect their employees, assets, manage costs, mitigate risk, and achieve financial security. Designing creative and unique insurance and employee benefit solutions to create the greatest value for our clients is the mission that we dedicate ourselves to every day. Because of this relentless drive we are one of the largest insurance agencies on the West Coast and have partnered with some of the most dynamic companies on the most crucial aspects of business risk management and employee benefits.

The Bachan Group (TBG) is a NextGen Health Insurance Agency working with businesses throughout the Central Coast. Though our strategies are highly innovative, they’re built upon our old-school values and strong work ethic. TBG’s insurance roots stretch back to 1913 and the benefits team has over 100 years of combined experience that we are eager to put to work for you. OUR THREE UNIQUES 1. We focus on Self-funded benefits 2. We teach companies how to help their employees purchase their healthcare needs at a lower price 3. We show companies how to improve their profitability using their health insurance plan

Northgate Benefits - San Francisco, CA is an office of Northgate Benefits, based in Novato, California. Its employer clients are concentrated in data, media and telecom, financial activities, and professional business services, and the office works primarily with mid-sized employers. The office places self-funded arrangements alongside medical coverage on PPO and HMO structures, prescription drug benefits, ancillary lines and retirement plans, and it has experience with collectively bargained arrangements. Clients including Parallel Advisors LLC are well rated by their employees for benefits. Example carriers include Kaiser Permanente, Meritain Health and UnitedHealthcare.

Leavitt - San Jose, CA is an office of Leavitt based in Campbell, California. Its work centers on employers in healthcare and social services and in professional business services, primarily mid-sized organizations. The office places self-funded arrangements alongside medical coverage through PPO and HMO structures, prescription drug benefits, ancillary lines and retirement plans. Example carriers include Kaiser Permanente, Anthem BCBS and Sutter Health Plan.

For 30 years, Johnson & Dugan's highest priority has been to make it easy for any company to expertly plan and administer employee benefits. Johnson & Dugan prides itself on consistently delivering and maintaining high standards of quality for each and every one of our clients. All of the companies we work with receive superior customer service, regardless of their size or the level of complexity of their employee benefits program.

UBF - SAN FRANCISCO, CA is an office of UBF based in Walnut Creek, California. Its work centers on manufacturing along with religious and non-profit organizations, serving mid-sized and large employers. The office places self-funded arrangements and medical coverage through PPO and HMO plans, along with prescription drug benefits, ancillary lines and retirement plans. Example carriers include Kaiser Permanente, Elevance and MetLife.

Sequoia's San Francisco office, located in San Mateo, California, operates as part of the Sequoia firm. The office works with small, mid-sized and large employers across professional business services, data, media and telecom, healthcare and social services, manufacturing, and financial activities. Its placement work spans self-funded arrangements and medical coverage through PPO and HMO structures, along with prescription drug benefits, ancillary lines and retirement plans. The office also handles mega wrap and collectively bargained arrangements. Employer clients including American Asphalt Repair & Resurfacing Co, Inc. and IKEA North America Services, LLC are well rated by their employees for benefits. Example carriers include CIGNA, Elevance and UnitedHealthcare.

Heffernan's San Francisco office, part of the Heffernan firm, operates out of Walnut Creek, California. Its work spans healthcare and social services, manufacturing, professional business services, restaurants, bars and accommodation services, and religious and non-profit organizations, serving small, mid-sized and large employers alike. The office places medical coverage through self-funded arrangements as well as PPO and HMO plans, along with prescription drug benefits, ancillary lines and retirement plans. Its book also includes mega wrap and collectively bargained arrangements. Employer clients including Puritan Bakery, Inc. and SierraThermal, Inc. are well rated by their employees for benefits. Example carriers include Kaiser Permanente, Elevance and Cigna.