Ronald C. Edwards is President and owner of IRA Specialist. As an independent financial advisor and Certified Senior Advisor, Ronald is licensed directly with the highest rated insurance and financial companies on the market today. Ronald C. Edwards is licensed in California and Nevada and may only transact insurance related business in those states. All insurance transactions are conducted under California Insurance License No. 0670963 and Nevada Insurance License No. 174081.

Our portfolio includes the following:

  • Regular IRA’s / Roth IRA’s / IRA Rollovers
  • 403 (b) Annuities / Fixed Annuities / Equity Indexed Annuities
  • Life Insurance with living benefits


Although a premium bonus will increase your account immediately, there are other factors you should consider when purchasing an IRA issued by an insurance company, including but not limited to… current ratings, surrender charges, company reserves, and fees. There may be substantial penalty for early withdrawals exceeding 10% per contract year, however there is never a charge for lifetime income withdrawals elected after the first contract year or thereafter. Please read all disclosure forms carefully prior to purchasing any insurance related product.


All insurance related products offered by Ronald C. Edwards are guaranteed against loss of principle by the claims paying ability of the issuing insurance company. The majority of companies we represent are rated A+ (Superior) by the leading independent rating agencies A.M. Best, Standard & Poor’s, and Fitch.

Please Note:

This website contains timely information about IRA’s, Roth IRA’s, and IRA Rollovers under current IRS guidelines. Information can change, become outdated or incorrect due to new legislation or official rulings. IRA Specialist and Ronald C. Edwards shall not be liable for any financial loss directly or indirectly caused by information on this website. We do not offer tax or legal advice. Those seeking tax or legal advice should seek out the services of a tax professional or attorney.

We do not solicit or sell any client information to a third party under any circumstances except by court order.

Notary Public

Ronald C. Edwards is a Notary Public of the State of California.

Commission Number 1929930