
The Role of Debt in Women’s Retirement Planning
Debt is not just a monthly payment. For many women, it can shape retirement timing, income flexibility, and long term peace of mind. Why
Greetings to our Valued, Loyal Clients and Beautiful Community,
As we approach the season of gratitude, it’s with heartfelt appreciation that we recognize the incredible support and trust you’ve shared with our family-owned business at NorCal Financial & Insurance Solutions. Guiding you through Retirement, Medicare, and Social Security decisions is both our profession and our passion. Every day, we are proud to empower individuals and families with clarity, confidence, and compassion as you navigate these important chapters of life.
Our family business was founded on a belief in service, integrity, and the power of a community business supporting our community. Your stories, your challenges, and your victories inspire us—and remind us why we work so hard to create a welcoming space for education, guidance, and uplifting community connections. In all we do, we strive to champion inclusion, growth, and empowerment for everyone.
Thank you for making NorCal Financial & Insurance Solutions a trusted partner in your retirement journey. Your referrals, your feedback, and your engagement fuel our commitment to excellence and innovation. Together, we create brighter futures and stronger communities.
Wishing you abundance and peace this season,
Wendy Zapata, RSSA

Debt is not just a monthly payment. For many women, it can shape retirement timing, income flexibility, and long term peace of mind. Why

Love Insurance? That’s what life insurance really is. Not paperwork. Not a policy. Not a conversation anyone is excited to have. It’s a quiet promise.

Lic #0F79042 HOMEPAGE https://youtube.com/shorts/7CnpdFNZhTU?feature=share Is Your Retirement Insured? Most people spend decades building their retirement, but very few stop to ask an important question: Is

Grateful Reflections from NorCal Financial & Insurance Solutions
Register When it comes to bringing people (and pets) together, few things do it better than a good cause — and a great costume! On
Recent research shows that 40% of Americans admit they don’t have enough life insurance to fully protect their loved ones. That’s nearly half of U.S. adults who could be leaving their families financially vulnerable if the unexpected happened.
If you live in Yuba City, Sutter County, or anywhere in the Yuba-Sutter area, this statistic should make you pause and ask an important question: Would my current insurance really take care of the people I love?
