About Us
Remnant Financial Foundation was built on a simple belief: everyday financial goals work best when they're designed together—not managed in isolation.
Homeownership, retirement, and protection are often treated as separate decisions. We integrate them into one coordinated plan, built for clarity, resilience, and long-term progress.
Why We Exist
Our founder, Danielle, saw firsthand how powerful cash-value life insurance could be—yet how inaccessible its long-term benefits were for most households. The challenge wasn't effort or discipline. It was structure. When most household capital is locked into debt service, liquidity stays low, crisis readiness weakens, and wealth compounds slowly. We exist to redesign that structure so capital can work harder, earlier, and more flexibly.
Why We Do
Founded in 2019, Remnant strategically integrates cash-value life insurance with mortgages—the largest financial obligation for most families. This approach helps manage growth (cash accumulation) and risk (such as delinquency or foreclosure exposure) at the same time. Rather than focusing only on home equity, we reallocate home-purchasing capital toward long-term cash value and protection.
One Plan. Multiple Outcomes.
We call our approach the Down-Payment Capital Portfolio. Within a single, well-designed plan, the same capital can:
- Support homeownership
- Build tax-advantaged retirement cash flow
- Provide living benefits and death benefit protection
One contribution. Purposefully deployed.
The Remnant Platform
The Remnant Platform unifies real estate, mortgage strategy, and life insurance into one system. Our models and assumptions are reviewed and refined in collaboration with Milliman, a global actuarial firm.
Powered by advanced simulation, real-time dashboards, and AI-assisted guidance, the platform adapts as life changes—while remaining aligned with real carrier and lender rules.
Our Goal
To build a financial infrastructure where one integrated plan supports both homeownership and retirement—powered by life insurance and designed for everyday households.
Our Principles
- Client-first math: Numbers before narratives
- Efficient design: Reduce waste, amplify compounding
- Compliance-first execution: Aligned with carrier and lender requirements
Disclosures
* Index credits (including caps and participation rates), loan costs, interest rates, and approvals are variable and not guaranteed. Policy loans and withdrawals reduce cash value and death benefit and may cause policy lapse if not properly managed. All strategies are subject to carrier guidelines, underwriting approval, and lender terms.
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601 Wilshire Blvd. Los Angeles, CA 90017