e3 specializes in providing employee benefits, human resources administration and financial guidance to middle-market professional service firms

Andrew Torelli CLU, ChFC, MSFS

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Founder of e3 FINANCIAL, an Employee Benefits Consulting firm specializing in the creative design, implementation and management of employee benefits for entrepreneurial service companies.


  • Employee Benefits
  • Business Succession Planning


  • Board of Director United Benefit Advisors 2012
  • Employee Benefit Adviser Editorial Advisory Board Member
  • Featured in the March 2008 Employee Benefit Adviser
  • Featured in the Business Profiles section of Forbes Dec 2005
  • Principal: United Benefit Advisors Since 2004
  • Member of Top Of the Table Since 2004
  • Past President: San Fernando Valley Association of Insurance and Financial Advisors
  • Past President: Orange County Association of Health Underwriters
  • Principal: FFR(First Financial Resources) Since 1999
  • Registered Representative of Royal Alliance Associates, Inc.

Michael Rankin, REBC, RHU

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Michael S. Rankin is a Principal at e3 Financial, a boutique employee benefit advisory firm located in Newport Beach, California. e3 Financial provides comprehensive employee benefits and retirement plan services that help entrepreneurial organizations attract and retain talent.

After joining e3 Financial in 1996 and becoming a Principal in 1999, Mike has been responsible for the growth and development of the Employee Benefit Department. Mike was instrumental in the creation and development of the Client Service Protocol™, a proprietary process used in the design, implementation and ongoing management of employee benefit plans. For three years running, e3 Financial has been selected as one of the Best Places to Work in Orange County.

Mike is involved in and has held leadership positions at various Human Resource and Industry Associations, and is a noted public speaker and author on benefits management topics and Health Care Reform. Mike holds a Bachelor of Arts from the University of California at Santa Barbara, as well as several industry designations: Series 6, 63, AIF, REBC & RHU.


About e3 Financial™


Strategic resource allocation keeps your focus on core competencies

e3 Differentiator Online HR Benefit Branding Benefits Administration Outsourcing Client Service Protocol


Secure ownership ensures the continued success of the company

The Executive Choice Plan Business Succession Strategies Executive Investment Management


Comprehensive benefits help recruit and retain your human capital

Client Advocate Services Personal Retirement Assistance Enrollment and Education