ABOUT US

We Guide Our Clients to insurance policies that fit their needs

Read the Story Behind the Success.

At Karma Capital Insurance Solutions, we take a family-oriented and personalized approach to help guide you to find the best insurance policy tailored to meet your needs. Every client’s needs are as unique as they are and we pride ourselves in partnering with each individual and household to ensure that they are properly protecting what means most to you and your family. We come from a diverse background of financial advising and mortgage banking and wanted to expand our services to home, commercial, and auto insurance for our clients. Our goal is to best serve our clients and make sure when the unexpected happens we have them covered. Whether you are a homeowner or business owner, we will use our years of experience to help guide you on the way to best protect your assets. From the initial liability review to the binding of your insurance policy, we pledge to always put your needs ahead of our own. We will work with you to achieve the best possible coverage for your assets and educate you along the way.

  • Founder

    Greg prides himself on putting his clients’ needs ahead of his own. For over ten years, Greg has helped thousands of educators, business owners, and individuals with their finances and adequately prepare for retirement. He founded Foundation Financial after he received his Bachelor of Science degree in Finance and Risk Management Insurance from California State University Sacramento as well as his Series 6, 63, and 65 licenses. Furthermore, he received the Accredited Investment Fiduciary Designation (AIF®). With his great expertise, Greg wanted to expand his services to his clients further for all their home, commercial, and auto insurance needs. With Tony Pavia, Greg founded Karma Capital Insurance Solutions. His diverse background and experience help him to better understand his clients’ unique challenges and goals. Greg has called Northern California home since he moved to America as a 5-year-old. When he is not spending time with family or traveling, you can find him on the golf course.

    Investment Advisor Representative, offering advisory services through Verity Asset Management [Registered Investment Adviser]

    Registered Representative, offering securities through Verity Investments, Inc. [Member FINRA, SIPC]

    www.verityinvest.com

    Foundation Financial and Insurance Services, LLC. and GWN Securities, Inc. are not affiliated with either Verity Asset Management or Verity Investments, Inc.

  • Mortgages and Financial Planning

    Tony Pavia is the President and Founder of Pavia Financial Services, a financial planning, investment advisory, and mortgage banking firm based in San Diego. Since starting PFS, he has founded Capital Loan Associates a company that specializes in mortgage banking. Tony graduated with a Bachelor of Science degree in Finance at San Diego State University, is a Registered Principal, and holds the series 6 and 63 investment licenses. Tony has enjoyed spending the last 32 years assisting his clients in wealth management, managing their investment portfolios, and implementing sound financial and tax strategies to enhance their retirement portfolios. He currently resides in North San Diego.

    Disclosure: Securities and Advisory services are offered through GWN Securities, Inc. Member FINRA/SIPC. 11440 N Jog Road, Palm Beach Gardens, FL 33418. (561) 472-2700. Pavia Financial Services, Inc. and GWN Securities, Inc. are non-affiliated companies.

  • Guillermo Vergara has experience in Business Risk Management, whereby using sound processes and methods can effectively implement policies and programs, which can increase a business's chances of success and reduce the possibility of failure.

    Guillermo not only has hands-on experience in starting up different businesses in Sacramento and Los Angeles in the last 20 years, but has also had the education to solidify their success and profitability.

    Guillermo earned his master’s in business administration in 2007. In addition, Guillermo holds Life & Health Insurance License as well as Property & Casualty Insurance License, making him a well-rounded Business Risk Manager.

    Guillermo’s Agency specializes in General Liability, Professional Liability, Business Owner Policies, Workers Compensation, Surety Bonds, Lessor Risk, Commercial and Personal Auto, Residential and Commercial Properties, including Vacancies, Builders Risk, Land, Farming, and other Property Risks.

    Guillermo can be contacted at Guillermo@orsusinsurance.com and/or 916 802 6480

  • Gerardo Vergara is an accomplished financial and insurance professional with over 10 years of experience in the insurance and financial services industry. He holds Property & Casualty and Life & Health licenses and is a Certified Financial Planner (CFP®) and Accredited Portfolio Management Advisor (APMA®). In addition, Gerardo maintains his FINRA Series 7, Series 66, and SIE registrations, underscoring his commitment to comprehensive financial planning and ethical investment management.

    Gerardo earned his Bachelor’s Degree in Business Administration with a concentration in Marketing and a minor in Philosophy from Saint Mary’s College of California. His educational foundation and professional credentials reflect a balanced approach that combines strategic business insight with a deep understanding of ethics and client-centered decision-making.

    Throughout his career, Gerardo has built a reputation for integrity, clarity, and personalized guidance, helping individuals and businesses protect their assets, plan for the future, and achieve financial confidence.