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Galina Malinsky is the Founder/CEO of Skvela Insurances Services. She has worked in the financial industry since 2006, spending her first eight years with Wells Fargo. Galina graduated from California State University with a degree in Business Management.

“I began my independent career as a financial advisor by working with law enforcement and corrections officers,” said Galina. “I helped them create financial plans for their retirement, and oversaw six different correctional facilities. Needless to say, I did a lot of driving.” More recently, Galina has been working with school teachers in the greater Los Angeles area to reach their retirement goals.

“I believe in offering everyone a free financial analysis,” she said. “At Skvela Insurance Services, we take an educational approach. Everyone is different, so I always like to listen to people’s concerns, issues and needs first. Just like a doctor, I can’t give someone a financial diagnosis without first making a prognosis of their financial goals and challenges. We don’t try to push general recommendations on anyone. I prefer solutions that are based on each individual’s needs.”

Galina makes herself available to her clients at all times, even when she’s on vacation. The security of her clients is always her first priority. “I want them to be safe in their retirement,” she said. “Of course, this depends largely on what stage people are at in their lives, but for older clients, this definitely holds true.”

Family is very important to Galina. She and her husband Miroslav have a 9-year-old daughter and a one year old son. When they are not with family or caring for their children, Galina and Miroslav enjoy traveling, hiking, visiting national and state parks, and enjoying time with friends. They also look forward to their Friday movie night.

services we provide

Retirement planning helps determine income goals at the retirement, risk tolerance, and the action and decisions necessary to achieve those goals. This comprehensive analysis will provide you with detailed information on whether you are on track to meet your goals

We take an individual approach when it comes to creating a retirement plan. We go into details of your needs and goals for your retirement. Based on the information you provide, we’ll create a retirement plan that will help you to achieve all your goals.

Has a financial professional ever sat down with you to calculate your income gap at the retirement? Income gap calculation is a crucial component when it comes to planning for your retirement. By knowing your income gap, we can help you to put some strategies together and create a plan to either minimize or eliminate that gap

testimonial

Sgt. Troncoso

California

In early May 2018, I was preparing for my retirement scheduled for May 30, 2018. As I prepared to enter the work facility, I notice a pleasant looking women posted near the entrance of the facility. Being of advance age and a family-oriented person I stop and began to speak with Galina; She presented to me two very affordable Life Insurance options which I purchased. Galina also presented to me a tax deferred annuity-based investment package which I also purchased with a portion of my 401-retirement plan. This annuity plan paid 12 percent interest in 2020; and gave me the option to extend withdrawing payments till I am 72 years old; providing maximin time for additional capital growth. This investment will be left to my grandchildren. I was extremely fortunate to have meet Galina during such a critical time in my life.
Galina continues to amaze me by contacting me to arrange a convent time to explain to me in detail my annual annuity investments statement. Since our chance meeting in 2018, I have come to know Galina’s character as one who love’s country, family, and friends. She is truly a financially intelligent agent who has her clients’ best interest at heart.

We can help you to understand how you can:

  • Protect your retirement from the market losses​​

    As you get older, your portfolios should shift to more conservative investments that can weather bear markets. When markets become volatile as retirement nears, it can put a damper on years of otherwise diligent retirement planning and create extra anxiety. Older adults, unlike younger workers, simply don't have enough time to wait for a recovery when stocks take a hit.

  • Create a diversified portfolio

    As you build your retirement, it’s always important to consider to have different types of retirement accounts. Whether it’s a pre-tax or post-tax account, it will definitely help you to build a strong portfolio in the future and help you with taxes during your retirement years. Plus, a diversified portfolio is your best protection against market volatility.

  • Protect your account from paying unnecessary taxes at your retirement ​

    We know taxes are going up in a near future. Preparation is a key to your successful and happy retirement. We take an individual approach by using different strategies when we create a plan for the retirement.

  • Protect yourself from outliving your retirement

    The odds of you living longer than your parents are pretty high. You spent your entire working life saving so that you could be comfortable in retirement. But now you find yourself worried about running out of money before running out of time. While it may sound frightening, there are ways for you to plan ahead and avoid any issues.

  • Protect your family and income

    While you may be able to provide for your family forever, the good news is you can plan to help protect your family financially with the purchase of life insurance. This preparation will help you and your family to have a peace of mind and security.

  • Apply Pension maximization strategy if necessary

    Through a pension maximization review analysis, we will be able to determine if this strategy is an important factor to consider.

Our clients say

We have 8 years of experience working with Law Enforcement

Dr. Melissa Primus

California

Working with Galina Malinsky has been a delight. She is professional, knowledgeable, and kind. She possesses a heart to help women to level up their budgets, insurances, and finances into a system that will aid them well into retirement and beyond. She starts as your financial advisor and becomes family. Your friends are the family that you picked.

Gillian Allen

Probation Correction Officer, CA

Mrs Malinsky has been the best financial advisor I have met. She is very knowledgeable and business savvy. She gives great sound financial advice and prepares you for success in the present and beyond retirement. She is very efficient and keeps you informed every step of the way. I am glad she is a part of my financial life. She has a great personality that makes it so easy to talk to her.

FAQ

Our mission is to help and educate more people about their retirement. Today people are not aware of what tools they have to achieve their goals. We help our clients to have access to different retirement strategies that can help them to build a strong future

When was the last time your Financial Advisor set down with you to calculate your income gap at the retirement? We believe it’s crucial to sit down with a retirement specialist at least every 12-24 months to make sure you on your way to minimize or eliminate your income gap. And, it’s always great to have a second opinion on the steps you are taking to achieve your goals.

We are not saying you are doing something wrong. All we are doing is making sure that people are aware that tools are there available for them to achieve their goals and dreams. By running a comprehensive financial analysis, you will see if you are on the right path achieving your goals or need to make some changes.

Ⓒ 2025,Skvela Insurance Services LLC CA License # 6004479