About – Financial Risk Management, Inc. CA Lic. # 0F76074 has provided financial and estate planning strategies for valued clients for the past 2 decades. With offices located in Lancaster, CA (Antelope Valley), and Glendale, CA (San Fernando Valley), and a host of professionals at your service, we have the right team to help reach your retirement goals!

Adrian B. Dares
President/CEO
CA Lic. # 0E02672

Adrian Dares is a fully licensed California Life Agent, dedicated to providing the highest level of service to our clients in the Antelope Valley and San Fernando Valley.

For nearly a decade. Adrian B. Dares has been providing his clients trusted and valuable financial solutions. He offers an extensive menu of services to help meet their needs of virtually any client at any stage of life, and his company, Financial Risk Management, provides a multitude of financial services and income planning strategies. Adrian is a dynamic and informative seminar speaker at regularly scheduled financial seminars throughout Southern California.

Adrian has an extensive experience in the areas of retirement planning strategies, fixed and fixed indexed annuities, life insurance, and long term care insurance. He is affiliated with a wide array of different carriers, allowing him the freedom to tailor individual strategies to each client’s specific needs & objectives, and his detail-oriented approach has helped scores of valued clients enjoy the increased reassurance they desire.

Adrian has been named to multiple insurance companies’ Top Producers lists throughout the country for his outstanding achievements. He is also a nationally-recognized speaker sitting on the Advisory Board of Personalized Brokerage Services (PBS) – one of the premier Field Marketing Organizations in the country.

Adrian is an active member of the Antelope Valley chapter of the National Association of Insurance & Financial Advisors (NAIFA) as well as being a Court and Top of the Table member of the Million Dollar Round Table (MDRT). He serves as the Board Director for the local Chamber of Commerce and was selected as one of the top three Business Men of the Year for Antelope Valley in 2007. Adrian is a proud father and resides in Antelope Valley with his wife and 2 of his children.

Carmen Dares
COO, Head of HR, Secretary, and Book Keeper/Accountant

Carmen manages the front office, orchestrates the dinner seminars, and provides insight on important business decisions. Carmen is the motivational driving force for the business. Carmen handles the day-to-day accounting and bookkeeping duties such as organizing balance sheets and recording all businesses transactions. Carmen is also Adrian’s wife, and mother to his beautiful children.

Rick Barnes
C.R.S. 2014 GAOR President Broker, REALTOR CaBRE: #00552333

Rick Barnes has been a Realtor member since 1976 and held the role of Director on the Board of Directors, 3x Chairman of Local Government Legislative Relations Committee, Commercial Real Estate Chairman, BORPAC Chairman, Benevolent & Protective Order of Elks Director 1981-2017, Escrow & Title Insurance professional since 1973, Assistant Vice President LA County Public Relations, Realtor Broker Owner 1994-present, Award winning residential specialist, Glendale Policy Advisory Councilman, Police Foundation Director, and Glendale Association of Realtors “Realtor of the Year”.

Joseph B. McHugh, Esq.
Estate Planning Attorney

The Law Offices of Joseph B. McHugh provides a service of Estate Planning to our clients. Joe has an undergraduate degree from California State University at Fullerton in Business Administration, with an emphasis on Finance and Accounting. Joe is an active member of the State Bar of California, as well as the Bar’s Estate Planning, Trust and Probate Law Section, the National Association of Elder Law Attorneys, California Advocates for Nursing Home Reform and the Los Angeles County Bar. Joe is also a Civilian Volunteer with the Los Angeles County Sheriff’s Mounted Posse.  A frequent seminar speaker, Joe resides in Southern California with his wife and two children.

Nico Jarrett
Office Manager

Nico Jarrett joined Financial Risk Management, Inc. in 2004. Nico has a Business Degree and certifications in the areas of Management, Small Business Management, and Marketing. As the Office Manager, Nico is responsible for overseeing day-to-day operations, new business transactions, in-force policies, and coordinating dinner events.

Stephan A. Dares
Graphic and Media Design, Social Media Manager

Stephan joined Financial Risk Management, Inc. in 2014. Oversees all advertisements and handles all graphic designs. Stephan has received his AA in Business Admin from Santa Monica Community College.

Lucciano Gamiz
Client Services Representative

Lucciano joined Financial Risk Management, Inc. in 2016 shortly after graduating from Drury University in Springfield, Missouri. Lucciano has his BA in Business Finance and Marketing. Lucciano played basketball all four years of college.

John Lee
Preservation Specialist/Marketing Director License #0H42106

John Lee joined Financial Risk Management, Inc. in early 2009. As a retired Firefighter with 30 years of service, John knows the importance of a sound retirement strategy. John will help you preserve your retirement and work towards the American Dream in the midst of rough economic times.

Randall Fall
Real Estate Broker

With over 20 years’ experience, Randall knows that buying or selling a home is one of the most important things you may ever do. Randall will be there to help make that experience as smooth and successful as possible.

Hector Bourgeois
Consultant of the company

Antelope Valley Bank’s first trustee, currently known as California Bank and Trust. Entrepreneur, developed golf courses, real estate properties and built casinos. He is renowned for his accomplished investments along with being the owner of several successful businesses throughout his career.