Plan · Protect · Increase · California, in person & virtual (909) 322-6366
Free Money Talk
PLAN PROTECT INCREASE

Financial education for every Main Street family.

CREA Financial is a group powered by Lasting Mark that teaches families how money really works. Protect your income, get out of debt and grow wealth you control. Or join us and help your own community do the same.

40+ combined years of experienceFree, no-pressure meetingsPowered by Lasting Mark
For familiesI want help with my moneyProtection, debt freedom, retirement Join the groupI want to build a careerTraining, mentorship, purpose
40+

Combined years of experience

Sal & Desiree Torres
33+

Years of leadership

Lasting Mark
110K+

Families served

Lasting Mark
4

Markets: life, health, retirement, group

One group
About us

A community group built on financial education.

CREA Financial is our group name, powered by Lasting Mark. We bring Wall Street strategies to Main Street families across California: how money works, how to protect it and how to make it grow.

Education first

We teach before we recommend, so you understand every option and why it fits.

No pressure

Your Financial Needs Analysis is free, and you keep your written plan whether you work with us or not.

Plain English

No jargon, at your kitchen table, by phone or video, in English or Spanish.

Sal and Desiree Torres of CREA Financial, smiling together in business attire
Sal & Desiree TorresLeadership, CREA Financial
Leadership

Meet Sal & Desiree Torres

Together, Sal and Desiree lead CREA Financial with one shared belief: every family deserves to understand how money works and to have someone they trust in their corner. Between them they bring more than four decades of experience in financial services, real estate and client care.

Our mission is simple: give individuals and families the knowledge, strategies and confidence to build a stronger financial future.

40+Combined years of experience
LicensedProfessionals serving California
$0Financial Needs Analysis

Sal Torres

Leadership · 25+ years of experience

Sal has spent more than 25 years helping families build stronger futures. He began in real estate and mortgage in 2000, helping families reach homeownership, and soon saw that a home was only one piece of the picture. In 2003 he moved into financial services and earned his California Life & Health licenses. Today he brings plain-English financial education to Inland Empire families, helping them protect their income, get out of debt and grow money they control.

Life & health insuranceDebt eliminationRetirement planning
(626) 255-4939crea.financial@gmail.com

CA Life & Health License #0E45381

Desiree Torres

Leadership · 15+ years of experience

Desiree brings more than 15 years in the industry and a calm, caring approach that puts families at ease. A fully licensed professional, she has extended her services and guidance into real estate and notary public services, so clients can lean on one trusted person through some of life's biggest moments, from buying a home to signing the documents that protect it. At CREA Financial, Desiree helps families get organized, ask the right questions and move forward with confidence.

Life & health insuranceReal estateNotary public
(909) 322-6366insurewithdesiree@gmail.com

CA Life & Health License #0F98009 · CA DRE #01940080

Book a free Money Talk with us
For families

Wall Street strategies, explained at your kitchen table.

Most families were never taught how money works. Our three-part approach gives you a plan you understand, in the right order.

1

Plan

Know where you stand and where you're going.

  • Free Financial Needs AnalysisYour goals and gaps, on paper
  • Debt eliminationA real debt-free date with the snowball method
  • Cash-flow reviewFind the money slipping away
2

Protect

So one bad day can't undo everything you've built.

  • Term & whole life insuranceCoverage sized to your family
  • Mortgage protectionKeep the house in the family
  • Income protectionLiving benefits if illness strikes
  • Wills & trustsThrough an estate planning partner
3

Increase

Grow money that's tax-advantaged and under your control.

  • Infinite BankingBecome your own source of financing
  • AnnuitiesPrincipal protection and lifetime income
  • Education & retirement planningCollege savings, Roth IRAs, 401(k)s and self-employed options
How it works

Start with a free 30-minute Money Talk.

01

Book a time

Pick a time that works, by phone, video or in person. It's free and there's no obligation.

02

Get your plan

See your protection gap, your debt-free date and your options side by side, in plain English.

03

Take your next step

Act on your plan with us or on your own. We review it with you every year as life changes.

Book my free Money Talk
Products & services

One group for your family's whole financial picture.

Through Lasting Mark's carrier partners, we compare options across four markets and fit the strategy to you, never the other way around.

Life insurance

Protect the people who depend on you, and build cash value you control.

Best forYoung families, homeowners, parents, business owners and anyone who wants lifelong protection.
Ask about life insurance
Term lifeThe most coverage for the lowest cost, for 10 to 30 years
Whole lifeLifelong coverage with guaranteed cash value
Mortgage protectionHelps cover the mortgage if you pass away, or with riders, become disabled or critically ill
Final expenseSmaller whole life policies for funeral and end-of-life costs
Personal banking Infinite BankingUse a properly designed whole life policy as your own source of financing
Tax-advantaged retirementCash-value life insurance strategies for supplemental retirement income
Living benefitsRiders that can pay part of the benefit early for a critical, chronic or terminal illness

Coverage is subject to underwriting and approval by the issuing company. Policy loans and withdrawals reduce cash value and death benefit.

Free money tools

See your numbers before we ever talk.

Three calculators our group uses with families every day. Change the numbers, and bring your results to your free call.

Uses the DIME method: Debt, Income, Mortgage, Education.

Your estimated protection gap

$0

Close my gap with us
Proof · Case files

What clients say, and what a plan can look like.

Every family we meet gets the same treatment: a clear before, a strategy built on their real numbers, and an after they can measure.

★★★★★
"He was helpful, professional, attentive and worked to get us what we wanted. I highly recommend Sal."
Oscar ChavezNovember 2025
★★★★★
"He is very professional, his work is great. We are satisfied. Totally recommendable."
Elena del CidJuly 2025
★★★★★
"Muy profesional."

Very professional.

EliasJuly 2025

Five-star recommendations from clients of Sal Torres.

4–6×

How much younger adults overestimate the real cost of life insurance.

LIMRA Insurance Barometer, 2026
50%+

Of consumers would rather talk to a financial professional before a big insurance decision.

LIMRA Insurance Barometer, 2026
$0

Cost of your Financial Needs Analysis. You keep the written plan either way.

Free Money Talk
3 yrs

How fast a 24% credit card doubles what you owe. We show you how to flip that.

Rule of 72
Term life insurance

The new parents

Ontario · ages 29 and 27 · first baby on the way
$1.25Mfamily protection in place

Before

  • Renting, with plans to buy in a few years
  • Only $50K of group life through one job
  • Stay-at-home parent had no coverage at all
  • Assumed life insurance was too expensive

Strategy

  • DIME analysis sized each policy
  • $750K 30-year term on the working parent
  • $500K term on the stay-at-home parent to cover childcare and household costs
  • Child rider and conversion option to permanent coverage later

After

  • Baby's future protected until age 30
  • Rate locked in while young and healthy
  • Costs less per month than their phone bill
  • Can convert to whole life without a new exam
Mortgage & income protection

The new homeowners

Fontana · two kids · one main income
$1.1Mprotection gap closed

Before

  • $450K mortgage
  • Only $100K of group life through work
  • No plan if the earner got sick

Strategy

  • 30-year term sized with DIME
  • Living-benefit riders for illness
  • Mortgage protection layer

After

  • House paid off if the worst happens
  • Income replaced for 10 years
  • Fit inside their existing budget
Debt management

The paycheck-to-paycheck pros

Rancho Cucamonga · dual income
38 moto debt-free vs. 17 yrs

Before

  • $46K in cards, car and student loans
  • Paying minimums only
  • No emergency fund

Strategy

  • Cash-flow review found $410/mo
  • Debt snowball, smallest first
  • $1K starter emergency fund

After

  • Debt-free date on the calendar
  • Tens of thousands in interest kept
  • Freed cash redirected to savings
Infinite Banking

The contractor who stopped renting money

Ontario · small business owner
Ownsource of capital

Before

  • Financing trucks and tools through lenders
  • Cash sitting idle in checking
  • No permanent coverage

Strategy

  • Dividend-paying whole life built for cash value
  • Policy loans for equipment
  • Disciplined repayment schedule

After

  • Borrows on his own terms
  • Cash value keeps growing
  • Family protected for life
Annuities & estate

The pre-retirees

Chino Hills · ages 58 and 61
Lifetimeincome floor in place

Before

  • All savings in a market-based 401(k)
  • Worried about the next crash
  • No will or trust

Strategy

  • Partial rollover to a fixed indexed annuity
  • Income rider for a guaranteed paycheck
  • Living trust through our estate planning partner

After

  • Principal protected from market loss
  • Income they can't outlive
  • Kids avoid probate

Case files are hypothetical illustrations based on common client situations. Names, places and figures are examples only. Individual results depend on health, underwriting, product and personal circumstances.

Get my free Financial Needs Analysis
Join the group

Build a career that makes a difference in your community.

CREA Financial is a group of people who want to bring financial education to the families around them. If you're coachable, driven and care about people, you don't need a finance background. We'll show you the way.

  • Training and mentorshipLearn the business through Lasting Mark's training and one-on-one guidance from experienced leaders.
  • Help with licensingWe'll walk you through getting your California Life & Health license, step by step.
  • Flexible scheduleStart part-time around your current job, and grow at your own pace.
  • Purpose-driven workHelp families protect what matters, get out of debt and plan their future.
  • Grow into leadershipBuild and lead your own team as you gain experience.

Your path with CREA Financial

  1. Step 1
    Come & seeA relaxed conversation about the opportunity and whether it fits your goals.
  2. Step 2
    Get licensedStudy for and pass your California Life & Health exam with our support.
  3. Step 3
    Plug in & trainLearn the products, the process and how to serve families with integrity.
  4. Step 4
    Make a lasting markHelp your first families and start building your business.
Email crea.financial@gmail.com
Call or text (909) 322-6366
Apply to join

Write "Join the group" in your message. Income depends on individual effort and results vary; there are no guaranteed earnings. Selling insurance requires a state license and carrier appointments.

Four markets, one group

Grow in the markets families need most.

Life insuranceTerm, whole life, final expense, mortgage protection and personal banking strategies.
Health & MedicareMedicare Advantage, supplements, drug plans, ACA and supplemental health.
RetirementAnnuities and retirement income, with specialist support for complex cases.
Group benefitsEmployee benefits for small and growing businesses through a referral program.

Specialist teams

  • Retirement specialists can work complex cases with you while you learn
  • Group benefits specialists handle the business cases you refer
  • Cross-sell across markets without going it alone

Tools & systems

  • Back office portal to run your business
  • CRM to manage clients and follow-ups
  • Reporting to track your progress
  • Lead programs to help fill your calendar

Events & recognition

  • Annual events like Beyond the Mark and Fall Meet
  • Ongoing training events
  • Awards, incentives and contests

Training & coaching

  • Mentors and coaches focused on your launch
  • Product and sales process training
  • Leadership development as you build a team
Come & See: learn about the opportunityLasting Mark hosts a live Come & See session every Thursday to share the vision, tools, compensation and culture.
See session details
Apply

Start the conversation

Tell us a little about yourself and Sal or Desiree will reach out to set up a relaxed conversation about the opportunity. No experience or license needed to apply.

Income depends on individual effort and results vary; there are no guaranteed earnings. Selling insurance requires a state license and carrier appointments.

Questions

Straight answers.

For families

Does the Money Talk cost anything?

No. It's a free 30-minute Financial Needs Analysis, and you keep your plan whether or not you buy anything. If you choose a policy or annuity, the agent is paid by the insurance company, not by you.

Should I pay off debt or get life insurance first?

Protection comes first, because debt doesn't disappear if you do. An affordable term policy protects your family while you work your debt-free plan.

What is Infinite Banking?

A strategy using a dividend-paying whole life policy designed to build cash value you can borrow against and repay on your own schedule. Policy loans accrue interest and reduce the death benefit if unpaid, so it must be designed and managed carefully.

Do you help with Medicare?

Yes. We can review Medicare Advantage, Medicare Supplement and prescription drug plans we offer in your area and help you compare them. We do not offer every plan available in your area; for all of your options, contact Medicare.gov or 1-800-MEDICARE.

Can you help my business with employee benefits?

Yes. We can help with group medical, life, disability, dental, vision and voluntary benefits, working with Lasting Mark's group benefits specialists from quoting through enrollment.

Are annuities safe?

Fixed and fixed indexed annuities protect your principal from market losses and can provide guaranteed lifetime income, backed by the claims-paying ability of the issuing insurer. They have surrender periods, so they're best for money you won't need for several years.

Can we meet virtually?

Yes. Meet in person in Ontario, California, or by phone and video.

Joining the group

Do I need experience in finance?

No. Many people start with no background in insurance. What matters is being coachable, consistent and caring about people.

Do I need a license?

Yes. Selling insurance in California requires a Life & Health license. We'll guide you through studying for and passing the state exam.

What products would I offer?

Group members can grow into four markets: life insurance, health and Medicare, retirement and group benefits. Each requires the right license, carrier appointments and, for Medicare, annual certification.

What support do I get?

Training, mentorship and coaching, back office and CRM tools, lead programs, specialist teams for retirement and group cases, plus annual and training events.

Can I start part-time?

Yes. Many group members start part-time while keeping their current job, then grow from there.

How much can I earn?

Income depends entirely on your own effort, skill and results, and many people earn little or nothing. We don't promise or guarantee earnings. We'll explain exactly how compensation works during your Come & See conversation.

Plan. Protect. Increase. It starts with one conversation.

Book a free Money Talk for your family, or reach out to learn about joining the group.

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