About us
Built around You.
Your One Agency exists because too many good people get handed one-size-fits-all answers: a policy sized to a premium instead of a family, a retirement plan nobody stress-tested, paperwork that doesn't agree with itself. Every financial situation is unique. You deserve a plan built around yours.
We bring regulated specialists to one table: protection and guaranteed income delivered in-house, with growth, tax, and estate work delivered by the independent registered advisers, CPAs, and estate attorneys we partner with. Each partner is accountable for their own regulated piece, and you keep one point of contact through all of it, so nothing falls through the cracks.
The industry has kept those pieces in separate offices for decades: one for the insurance, one for the investments, one for the taxes, one for the will, and you as the messenger between them. Our mission is simple: put them back at one table, Yours.
What we offer
Every piece of Your financial picture, at one table.
Money questions rarely arrive one at a time. A protection question turns out to be a tax question, which turns out to be an estate question. So instead of sending you to three offices, we keep six specialties at the same table, with one plan connecting them and one person coordinating it.
- specialties at one table
- 6
- specialties at one table
- point of contact: Yours
- 1
- point of contact: Yours
- minutes is all it takes to start
- 15
- minutes is all it takes to start
- the complimentary discovery call
- $0
- the complimentary discovery call
How we work
Simplicity
Plain language, every term defined, no jargon left hanging.
Honesty
Including 'you may not need this yet.' The honest answer is the whole point.
No pressure
We explain, you decide. Education first, always.
One place
Every piece of the plan connected, one point of contact, nothing falling through the cracks.
Why we're different
What working with us looks like
One connected plan. Protection, income, growth, tax, estate, and business planning looked at together, because a decision in one almost always moves another.
Plain language, honest answers. Every recommendation explained simply, including the honest one: "you may not need this yet."
Independent by design. We can arrange plans through multiple carriers, so the recommendation starts from your situation and then finds the product, never the other way around.
Boutique by design. No call center and no client number. The person who built your plan is the person who answers the phone.
A relationship, not a transaction. Life changes quickly, so we check in every year and stay a phone call away, adjusting the plan as your life moves.
Who you'll work with
Cheryl Heikka
Founder · Financial Strategist
Cheryl grew up watching what poorly managed money does to families, hers and the ones around her. Things changed when she changed her circle: she started learning from people who were quietly getting ahead and protecting what they built, and she put those lessons to work for her own family first. Your One Agency is what came next: she took the pain out of the coordination, built the partnerships, and turned it into an efficient machine for helping others. She's your strategist and point of contact from the first call on, and helping people do this is genuinely what she loves.
"It's not about us. It's about You."
Plain language
What does "independent" actually mean?
Some financial professionals can only offer one company's products, whatever the fit. Independent means working with multiple companies, so the recommendation starts from your situation and then finds the product, not the other way around. That's the whole reason Your One Agency exists: the answer should fit You.
Credentials you can check
- Licensed insurance agent in multiple states, including California (Lic. #4276417).
- Independent: not tied to any one insurance company, so recommendations fit you, not a quota.
- Growth, tax, and estate work is delivered by the independent registered advisers, CPAs, and estate attorneys we partner with.
Fifteen minutes, no pitch. Bring a question, leave with a straight answer.
Book a 15-minute call