Effective date: October 22, 2026
By using saltheadviser.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 directly and consult a qualified tax professional or attorney before making decisions.
Insurance and annuity products
- Insurance products are offered through Sal Torres, an individually licensed agent, California Life and Health Insurance License #0E45381. CREA Financial is the name of our community team and is not a licensed insurance agency. Sal is contracted through Lasting Mark.
- 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.
Calculators and examples
Calculators provide rough estimates based on the numbers you enter and simplified assumptions. Case files are hypothetical illustrations, and names, places and figures are examples only. Actual results depend on your health, underwriting, product choice and personal circumstances.
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 Torres does not provide legal services and may receive compensation for referrals.
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 Thrive Advisers or are used with permission. The CREA Financial and Lasting Mark names and logos belong to their respective owners.
Limitation of liability
To the fullest extent permitted by law, Thrive Advisers and Sal 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
Sal Torres, Thrive Advisers
3281 E Guasti Road, Suite 700, Ontario, CA 91761
Phone: (626) 255-4939
Email: thriveadvisers@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.