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Our Team
Ryan O'Toole
Ryan O'Toole is an accomplished financial professional, business coach, and retirement income expert. A proud graduate of the University of Michigan, he has built the foundations of this firm on principles of higher education, research, community & family values, and the drive to succeed and help others create generational wealth.
With over 17 years in the financial services industry, Ryan has spent countless hours coaching advisors and sitting across the table with them and their clients to understand that the challenges retirees face today cannot be solved with the traditional 60/40 portfolio. By expanding on ideas pioneered by some our industry’s most esteemed experts such as Tom Hegna and Dr. Wade Pfau, who advocate for a foundation built on guaranteed income and the family pension, Ryan has helped his advisors capture hundreds of millions in assets for the purposes of helping clients secure a retirement blueprint that is predictable, measurable, and sustainable - and in 2022 he founded the Insurance Consulting Group.
As the President of RMO Wealth & Insurance, Ryan is dedicated to helping individuals achieve their retirement goals. With a client-centered approach, he and his team prioritize understanding each client's unique needs and aspirations for their retirement. Whether it's financial security, lifestyle, or legacy planning, Ryan and his team are committed to providing personalized solutions tailored to each client's specific circumstances.
CA License #: 0G90733
Ben Mohr
Ben Mohr, a renowned retirement planning expert based in Costa Mesa, California, specializes in income planning and alternative investments. As one of the state's top sales agents, he founded his own Life Settlement Company, Ben Mohr LLC, to provide exceptional services in the industry. Expanding his influence, he launched Life Advisor Solution, a platform offering mentorship and marketing support to agents, allowing them to leverage his expertise and excel in the field.
As part of the RMO Wealth & Insurance team, Ben is committed to providing exceptional assistance to clients by navigating the complex world of life settlements. He possesses a deep understanding of the intricacies involved in these financial transactions and utilizes his knowledge to help clients make informed decisions.
CA License #: 0F93677
Gilbert garcia
Gilbert Garcia is an affiliate of RMO Wealth & Insurance. As an Investment Advisor Representative for Fusion Capital Management, a Registered Investment Advisory Firm, Gilbert specializes in managing the assets that grow alongside the fundamental building blocks we carve out for a more secure and sustainable retirement. Gilbert is conferred with a Bachelor of Arts Degree from the California State University – Stanislaus, Executive Certificate in Financial Planning – Santa Clara University - Leavey School of Business, CERTIFIED FINANCIAL PLANNER™ professional, RICP® (Retirement Income Certified Professional®) designation from The American College of Financial Services and holds his FINRA Series 65 Registration - Uniform Investment Advisor Law Examination. More importantly, he's a husband to Vicky and Father to their three beautiful and smart children.
CA License #: 0G78719