Frequently Asked Questions
Are you selling financial products or managing investments?
No. TelRock provides independent financial analysis only. There are no product sales, no commissions, and no asset management of any kind. Just objective analysis focused entirely on your best interest.
Why should I trust your analysis?
TelRock is founded by Joshua Liu, FSA, FRM — a credentialed actuary with nearly 27 years of experience in life insurance, retirement systems, financial valuation, and risk management.
The focus is entirely on analyzing financial decisions — not selling financial products. There are no conflicts of interest, no commissions, and no institutional affiliations.
Have you worked inside major financial institutions?
Yes. This background includes extensive experience working within major financial institutions — including life insurance companies, retirement systems, and financial valuation firms.
This is precisely why TelRock exists. Having seen how financial products are designed and how assumptions are built into illustrations, we believe individuals deserve access to truly independent analysis before making major financial decisions.
Is this financial planning?
TelRock provides decision-focused financial analysis — deep expertise on the specific financial decisions that shape your retirement and financial future:
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Retirement timing decisions
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Social Security claiming strategy
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Debt restructuring or refinancing
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Annuity and insurance product evaluation
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Retirement income sustainability based on your lifestyle
This is not traditional financial planning or portfolio management, but for the decisions that matter most, it's exactly what you need.
How is this different from a financial advisor or CPA?
Financial advisors typically focus on product implementation or portfolio management. CPAs typically focus on tax compliance and reporting.
TelRock focuses exclusively on the decision itself:
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Structure and assumptions
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Risks and sensitivities
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Long-term outcomes under different scenarios
The goal is to evaluate how a decision behaves under different conditions — before you commit to it.
Is this the same as a robo-advisor or online financial tool?
No. TelRock provides personalized, structured written analysis of your specific situation — not automated recommendations or generic financial tools.
What happens after I submit a request?
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Your situation is personally reviewed
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A brief follow-up may be scheduled (phone or email) to clarify details if needed
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Scope and fee are clearly defined
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You approve before any work begins
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Analysis is completed and delivered in writing
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Nothing proceeds without your approval
How long does it take?
Analysis timelines vary depending on the complexity of the situation.
Most standard analyses are completed within 5–7 business days after all required information is received. More complex cases may require up to 10 business days or longer.
An estimated timeline will always be confirmed during the scope review — before any work begins.
What information do I need to provide?
No technical preparation is required. Simply describe your situation in plain language. We will identify what additional information is needed during the scope review.
Do I need to change advisors or move my money?
No. This is an independent review only. You are not required to make any financial changes as a result of the analysis.
Can my CPA or financial advisor be involved?
Yes. Many clients share their written analysis with their CPA or financial advisor. The deliverable is designed to be clear and accessible for that purpose.
What if my situation doesn't fit neatly into one category?
That is fine. Submit your situation as best you can describe it. We will review it and let you know whether and how we can help. If your situation falls outside our scope, we will tell you honestly.
When This Service Is Most Useful
This service is most valuable when decisions involve:
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Retirement timing
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Social Security claiming strategy
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Debt restructuring or refinancing
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Annuity or insurance product evaluation
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Retirement income sustainability
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Complex financial situations with long-term consequences
It is designed for decisions where uncertainty and long-term impact are significant — and where the cost of a wrong assumption can be substantial
What is the value of this type of analysis?
The value comes from understanding how your decision behaves under different assumptions — including timing, market conditions, longevity, and income structure.
Small differences in assumptions can significantly affect long-term outcomes. In many cases the difference between a well-evaluated decision and a poorly evaluated one can amount to tens of thousands of dollars over a lifetime.
Is there a guarantee of outcome?
No. Financial analysis cannot guarantee outcomes. What it provides is a structured, independent view of how different choices are likely to behave under a range of realistic conditions — so you can make a more informed decision.
Final Note
This service is designed for individuals seeking clarity before making important financial decisions.
All analysis is independent and advisory in nature only. It does not constitute financial planning, investment advice, legal advice, or a guarantee of outcome.
If you are unsure whether your situation qualifies — submit it anyway. We will review it and give you an honest answer.