Effective date: October 23, 2026
By using creafinancial.com, you agree to these Terms of Use. If you do not agree, please do not use the site.
Educational information only
The content on this website, including articles, examples and calculators, is for general educational purposes. It is not personalized financial, tax, investment or legal advice. Your situation is unique, so please speak with Sal or Desiree directly and consult a qualified tax professional or attorney before making decisions.
Insurance and annuity products
- Insurance products are offered through individually licensed agents: Sal Torres, California Life and Health Insurance License #0E45381, and Desiree Torres, California Life and Health Insurance License #0F98009, both contracted through Lasting Mark. CREA Financial is our group name, powered by Lasting Mark, and is not a licensed insurance agency.
- Products, features and availability vary by state and carrier, and all coverage is subject to underwriting and approval by the issuing company.
- Guarantees are based on the claims-paying ability of the issuing insurance company.
- Annuities are not bank deposits, are not FDIC insured and may carry surrender charges. Policy loans and withdrawals reduce cash value and death benefit and may have tax consequences.
- Nothing on this site is an offer to sell securities. Retirement topics such as IRAs and 401(k)s are discussed for education only.
Medicare
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 711) to get information on all of your options. Not connected with or endorsed by the U.S. government or the federal Medicare program.
Calculators and examples
Calculators provide rough estimates based on the numbers you enter. Case files are hypothetical illustrations; names, places and figures are examples only.
Career opportunity
Information about joining CREA Financial is not an offer of employment or a guarantee of income or success. Earnings depend on individual effort and results vary. Selling insurance requires a state license and carrier appointments.
Testimonials
Client recommendations reflect individual experiences and may not be representative of other clients. They are not a guarantee of future performance or results.
Wills and trusts
Wills and trusts are provided by an independent estate planning partner. Sal and Desiree Torres do not provide legal services and may receive compensation for referrals.
Real estate and notary services
Real estate and notary public services are offered by Desiree Torres individually, California DRE #01940080, and are not offered through CREA Financial or Lasting Mark.
Third-party links
This site links to third-party services such as Calendly. We are not responsible for their content, availability or privacy practices.
Intellectual property
The content, design, logos and images on this site belong to CREA Financial or are used with permission. The Lasting Mark name belongs to its owner.
Limitation of liability
To the fullest extent permitted by law, CREA Financial, Sal Torres and Desiree Torres are not liable for any loss or damage arising from your use of this website or reliance on its content.
Governing law
These terms are governed by the laws of the State of California.
Contact us
CREA Financial · Sal & Desiree Torres
3281 E Guasti Road, Suite 700, Ontario, CA 91761
Phone: (909) 322-6366
Email: crea.financial@gmail.com
These terms are a starting template and are not legal advice. Have them reviewed by an attorney and by CREA Financial / Lasting Mark compliance before publishing.