Broker Check
Roy Rasera
Roy Rasera
Pacific Advisors, CA Insurance License #0K12914 Financial Advisor
https://www.pacificadvisors.com/roy-rasera (503) 221-1226

Roy Rasera has been advising and coaching successful Couples, Professionals, and Business Owners with incomes in the top 5% of the country (~$200k+) on their macro-economic financial strategies for 20+ years. Roy holds 3 degrees from MIT and several financial designations. He has been recognized by Forbes/Shook Research as a top 5 Financial Security Professional* in Oregon since 2021, and throughout the last decade as a 5-Star Financial Professional* in Seattle and Portland Monthly Magazines. He is a member of Mensa, Past President of his Rotary Club, and Past President of the MIT Alumni Club of Oregon & SW Washington.

His unique blend of technical analysis, financial orchestration, and human connection enables his clients across the nation to enjoy and build wealth aligned with their values and ambitions. Roy focuses on client education and continued evaluation to co-design, optimize, and implement effective wealth building and protection strategies. His goal is to help his clients live a good life for their whole life.  Since he meets with clients via internet, he is an adviser that can travel with you as your life and career paths change.

He lives with his wife Donna and their 2 children in Oregon, sings with the 4-man Portland vocal band “Strangers in Harmony/ThePillagePeople”, curates a YouTube gaming channel with his sons, and plays viola in a community orchestra.

*This award is not issued or endorsed by Guardian or its subsidiaries.


Does Your Credit Score Affect Your Insurance Rates?

Insurance Read Time: 2 min

While the vast majority of insurance companies use credit-based insurance scores to help determine the price of insurance, it is banned in the states of Massachusetts, Michigan, Hawaii, and California. Some states only allow it as a factor for property insurance like auto and homeowners insurance. Other states allow it to be used with any type of insurance.1

Several Factors

Generally, an insurance company will use a credit-based insurance score as just one factor in its underwriting process. Other factors may be considered, depending on the type of insurance. For example, with auto insurance, other factors could include your zip code, the age of the driver, the make, model and age of the car, and the number of miles you drive annually.

The use of credit scores to determine insurance rates is rooted in research that has shown individuals with lower credit scores tend to file more claims.2

You can ask your insurance company if a credit-based insurance score was used to underwrite and rate your policy, and in which risk category you were placed.

If you want to improve your credit-based insurance score, you should consider taking the same steps you would to improve your credit rating: make timely debt payments, clear up past disputes, and keep credit card balances low.

1. Forbes, June 10, 2024
2. ValuePenguin.com, May 14, 2024

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

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