About
Cathy Downs, RFC, CSA, CLTC, LTCP
PRESIDENT
Fiduciary
Registered Financial Consultant
​​​
Certified Senior Advisors
​
Certification For Long-Term Care​
​
Long Term Professional
​
Cathy began her career in 1986 with Transamerica as
a part of its Broker/Dealer Compliance Department.
After a promotion to the Operations Department,
Cathy’s interests turned to Long Term Care Insurance,
and she soon found herself in charge of Sales and
Marketing for Transamerica’s thirteen state Western
Region.
​
After ten years at Transamerica, Cathy enjoyed a four-year stint as Long Term Care Vice President at Travelers Life & Annuity, where she educated other insurance professionals on the intricacies of Long Term Care insurance, and helped them to build and grow their insurance practices. She was then aggressively recruited by Prudential Financial to replicate that success as Regional Sales Director for their eleven state Western Region.
In 2004, Cathy spent a year caring for her terminally ill mother, before joining LTC Navigators Insurance Services as Vice President. Through a three-year strategic partnership with Advisory Group West, a company which excels at Estate Planning, Cathy enabled LTC Navigators to evolve and become the thriving Financial Planning and Advocacy firm now known as Beneficent Financial, where she continues to focus on Retirement and Estate Planning.
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Meet Our Team
Nancy Martinez, RICP
CLIENT SERVICES DIRECTOR
Retirement Income Certified Professional
​
Nancy is a Retirement Income Certified Professional and Financial Advocate. Assisting Clients with their needs from the moment they sit with Cathy to ensure they are on a solid foundation.
Who We Serve
Beneficent Financial proudly serves individuals and families, providing them with tailored financial solutions to help them reach their financial goals.
We offer a wide range of services, from investments to retirement planning, tailored to meet the needs of every client.
Business
Owners
Business owners face unique challenges and needs that our team of experienced Advisers is familiar with.
Corporate
Executives
We have experience assisting highly compensated employees with a review of their employee plans and investment options.
New
Retirees
People nearing retirement or who are already in retirement have unique goals and plans for their assets that our team can help implement.
Working
Professionals
For those in the accumulation stage of their life, we offer innovative planning option to help achieve your goals.
Comprehensive Planning
At Beneficent Financial, we are dedicated to helping our clients reach their financial goals.
We provide an extensive range of services of financial and investment services that are tailored to meet their individual needs.
Our client process is focused on building a relationship with clients and understanding their goals before creating a financial plan tailored to their needs.
We are committed to helping our clients to make smart financial decisions.
Discovery
We start with an initial analysis of all you have accumulated and identify opportunities and gather context for future planning.
Design
We educate you on a proven and time-tested investment processes and create the core concepts of your wealth management or retirement plan.
Tailor
We work to adapt the investment plan to fit the nature of your goals rather than force-fitting all investments into some canned and predefined system.
Implement
We address and implement each investment solution in order of importance, until you can rest easy at night, knowing there will be no surprises
Service
We provide ongoing support as your life unfolds and goals evolve. We'll make sure to revisit your plan as time progresses.
OUR PHILOSOPHY
At Beneficent Financial, our philosophy is to help our clients make their financial goals a reality. We provide our clients with a comprehensive range of services, including financial planning, investment management, and retirement planning.
OUR COMMITMENT
We treat every portfolio with the same integrity and diligence as if it were our own.
We also practice a concierge-based approach to everything we do and with everyone we work with.
