Our Services

Sprague Financial combines expertise in retirement income planning with the strategic partnerships of our network of planning professionals to ensure that each client has a comprehensive plan.

Retirement Income Planning

We help ensure your retirement income is guaranteed to live as long you do by creating a retirement income plan and strategically using fixed and fixed indexed annuities.

Life Insurance

Life insurance can protect your family and provide powerful living benefits for retirement, including potentially tax-free income.

Long Term Care

The majority of retirees will need long term care at some point. Let us help you identify the ways to prepare for this possibility.


Our member accounting team can provide financial oversight and additional safeguards to ensure you and your family's ongoing financial security.  


A trust is a legal means of transferring your assets to a trustee for the purpose of managing those assets and distributing to beneficiaries. We partner with qualified estate planning attorneys to assist with various types of trusts.

Social Security

We can help you understand your Social Security filing options as part of your retirement income plan, and potentially help maximize the amount of benefits you may receive.

IRAs and 401(k)s

Individual Retirement Accounts, 401(k)s, and Roth IRAs are some of the most common tools used to accumulate retirement assets. We can help you understand your options to create retirement income using what you have accumulated. 

Estate Planning

Ensuring that your will and estate are in order is an essential piece of a solid financial plan. Through our professional network, we can help you navigate the complexities.

Reverse Mortgages

A reverse mortgage can be an option for some individuals, but every situation is different. Let us help you walk through your questions and options. 

Guarantees in insurance products are backed solely by the claims-paying ability of the issuing insurer. 

CA Lic. #0591223. Sprague Financial is not affiliated with or endorsed by the Social Security Administration or any government agency. Mark Sprague is not an attorney or accountant and does not hold securities licensure. Sprague Financial maintains a network of independent partners to whom it may refer clients for certain services listed on this page, as part of an overall financial and retirement plan.

Wondering where to start?