“One of the most important aspects of a good insurance broker is being accessible and able to resolve problems effectively when questions/situations arise. Other brokers can offer similar insurance packages. However, Charin and her team are always available from the moment of initial discussions and anytime beyond that. I have contacted her several times over the years, and Charin has promptly handled any requests expertly. Additionally, she is very thorough and describes all options very clearly. Charin is always willing to listen to my requests and offer valuable advice to provide me with the best packages that would benefit me. I highly recommend Torch Financial and feel confident with Charin as my insurance broker.”