We specialize in helping individuals, families, and business owners build financial security through tailored insurance and planning solutions
Most people don’t enjoy dealing with insurance or financial planning and that’s okay. At Arroyo Financial, we make the experience feel different. It’s not just paperwork. It’s confidence, support, and peace of mind. With 20+ years of experience, Jeremy brings a calm, human touch. Clients often share how relieved and empowered they feel after a single conversation.
Jeremy Baker has worked in the financial services industry as a registered representative, helping individuals, families, and business owners navigate life’s big decisions since 2002. In 2017, he founded Arroyo Financial to build a calmer, more personal alternative to the typical financial experience. He specializes in simplifying complex decisions with patience and clarity. Whether it’s life insurance for a buy-sell agreement or a 401k rollover, he ensures his clients feel informed and confident throughout the process. Jeremy is a Loyola High School graduate and holds a BA in Art History from Sonoma State University and an MBA in Marketing from Capella University. He often compares his work to his studies: “It’s about taking something complex and helping people connect to it.” A lifelong Angeleno, Jeremy now lives in Pasadena with his wife and two children. He stays actively involved in his community and can often be found supporting his kids at school events and youth sports games. Currently, Jeremy serves on the board of Foothill Family Services and has previously served on the Chandler Family Associates Board and the Loyola High School Alumni Board—reflecting his long-standing commitment to community and volunteer leadership.
Whether you’re protecting your family, planning retirement, or supporting employees, we help create a plan that aligns with your life today and your goals for tomorrow.
We work with CPAs, estate attorneys, financial advisors, mortgage brokers, real estate agents, and business insurance brokers who care about long-term trust and clarity.
A common guideline is 10 to 20 times your annual income. But the right amount depends on your debts, dependents, and future goals. I help you find a number that actually fits your life.
Yes, employer coverage is usually limited and doesn’t go with you if you change jobs. A personal policy gives you consistent, portable protection.
Your 50s are a smart time to explore it, especially if you have a family history of chronic illness. Planning ahead helps avoid financial stress later.
It depends on your lifestyle and how much income you’ll need. A rough benchmark: $1 million in savings could give you $40–50K/year. I help you look at the full picture and plan with confidence.
Yes. We help businesses of all sizes build custom benefit plans that make sense financially and support retention, morale, and compliance.
Always. I offer complimentary discovery calls so you can ask questions and get clarity. My focus is education and trust, not pushy sales.
76 N. Fair Oaks Avenue
Pasadena CA 91103
Validated Parking in the Structure at
48 N. Raymond Avenue
Pasadena CA 91103
