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    Troy M. Bender

    President and CEO

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    Asset Retention Insurance Services, Inc.


    (877) 707-4409

    (949) 837-3212

    Financial Services


    Troy Bender has been helping investors since 1986 when he worked at firms such as Merrill Lynch and Prudential Securities.  Since 1999, Troy has been serving retirees and pre-retirees across California with Asset Retention. He is dedicated to ensuring our clients do not lose their retirement money due to market volatility.  Since 1999, no clients whom have purchased vehicles we offer have ever lost hard-earned retirement funds.  Our name says it all..."We protect and grow your retirement!"

    Troy's specialty is "income planning", and providing our clients a guaranteed stream of income for life.  Mr. Bender provides his clients with financial peace of mind so they can concentrate on things they love doing, rather than stressful financial decisions.  Our strategy lies in helping our clients to minimize taxes to enhance net worth, stretch IRA's or 401K's properly for the benefit of clients and loved ones for the future, and simplify retirement so clients can enjoy their golden years with peace of mind. 

    Asset Retention also offers unique vehicles through long-term care insurance. If you do not need the long term care, the premium is not lost.  Life insurance is very popular too, as it builds wealth tax free.   This is especially important when someone wants to take a taxable asset and turn it into tax-free for the benefit of a spouse and children/grandchildren.   Couples and individuals find that ILIT's are important, especially for estate purposes.   

    Troy has been quoted and featured in Newsweek, USA Today, CNBC.com and MSNMoney.com. Troy has been featured on the radio with such venues as KABC Talk radio and KLAA Sports, along with local TV over the years.  Asset Retention has also been an "accredited business since July 31st 2000 with the Better Business Bureau. This accreditation comes with their highest rating, A+."

    Troy Bender, retirement wealth planning expert, was recently seen on NBC, CBS, ABC & Fox network affiliates around the country as an expert guest on "The Consumer’s Advocate" TV show.

    Troy is ethical, trustworthy and always places clients' interests first.  It is Troy's intention to develop a long-term and committed relationship with each of his clients. Clients are treated as family, with the love and care they deserve.  


    Troy is a graduate from the University of California in Los Angeles, aka, UCLA with an Economics degree. 


    Troy is a member of the prestigious "2010 FIVE STAR SM Best Wealth Manager" in overall client satisfaction. The nomination came from more than 37,000 high net worth households in Orange County and more than 11,900 financial services professionals.  The award is only awarded to wealth managers who have scored highest in 2 areas:  1) Client satisfaction from consumers and 2) From their peers, other financial services professionals.  Financial professionals cannot "buy" their way on a list, as the award is only based on how consumers and financial professionals have evaluated their experience in working with that individual.

    Troy is an approved member of the National Ethics Association (NEA) including all personal background checks, regulatory checks and professional license checks.


    Please contact Mr. Bender's office for a list of references at (949) 595-4409 or (877) 707-4409. We will be happy to provide 10 references.

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