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Disclosure | About Us


Managing Partners: Gary Morrow (San Luis Obispo) and Doug McKay (San Diego)

“67 Years in the Biz Combined”

Independent Fiduciary Investment Advisor Reps. We work for the client and not a bank or broker dealer.



All stock and bond market accounts are held at Charles Schwab or TD Ameritrade in the client’s name and can be tracked in real time on a mobile device or other online access.

All stock brokerage accounts are 100% liquid and monies can only be withdrawn by the client.

Fee based and NOT commission based.  The better you do the better we do.

No long term commitment.

Every week we provide you with why we are in the market or why we are out and or hedged. The risk is managed which should enable you to sleep better.



Guarantee of principal products such as fixed “rate” annuities, fixed “index” annuities and fixed index annuities with an “income rider” which provides income for life (personal pension). Long Term Care is available as well either as a stand alone product or as a rider.


As Independent Fiduciaries we are obligated and able to choose what is best for the client’s needs and goals vs. “one size fits all.”

All retirement plans are customized specifically for the client.

Direct: Gary S. Morrow (805) 550-6458 | Doug McKay (858) 414-1970
Managed accounts held at Charles Schwab or TD Ameritrade and managed for Doug by Tucker Asset Management LLC, a registered investment advisor or for Gary by LifePro Asset Management LLC, a registered investment advisor. All license information and disclosures available upon request. First Fiduciary Advisors, Tucker Asset Management and LifePro Asset Management are all separate entities.

No content on this blog is a suggestion to buy, sell or hold. The charts and articles are for educational purposes only.


| Disclosures

Investment advisory services through Gary are offered through LifePro Asset Management, LLC, a registered investment adviser. For registration information on our firm, please go to and search for LifePro Asset Management, LLC or by our CRD # 285252. Advisory services are only offered to clients or prospective clients where LifePro Asset Management, LLC and its representatives are properly licensed or exempted. The form CRS can be found by using the following link:Form-CRS.pdf (

Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Advisor), will be profitable or equal any historical performance level(s). Information throughout this internet site, whether charts, articles, or any other statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither our information providers nor we shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.