My name is Andrew Lavow and I am an insurance specialist. After being diagnosed with kidney failure and being told to go on dialysis or be happy with the life I lived, my entire outlook on life changed. Opportunities that came my way weren’t easily dismissed. When a friend came to me and introduced me to financial services, life insurance, and living benefits I knew that this was an opportunity to seize in order to share my story and connect with clients I sit with. Learning how life insurance could have protected me and could have taken care of all medical bills I had caused me to research further. Learning about using life insurance as a tool to maintain a certain standard of living instead of just death insurance was truly astonishing. It was strong enough to put me on the crusade of serving families through the financial industry. I want nothing more than to serve the everyday family that doesn’t know the benefits of life insurance and financial literacy. If I can reach a family, get them adequately protected, and prevent a juvenile from going through a similar health crisis that I went through; I will achieve the goal I set out to accomplish. I wholeheartedly believe that life insurance is the greatest thing you can own for yourself and your family to demonstrate the love you have for the people you cherish most.


Meet Carlton, your go-to Life Insurance and Retirement Specialist! With a passion for empowering individuals and families, Carlton is committed to building a stronger financial future for the community.

As a highly knowledgeable and smart professional, Carlton brings a wealth of expertise in life insurance and retirement planning. His dedication to education and community outreach allows him to impart invaluable insights, helping people make informed decisions for their financial security.

But it doesn’t stop there-Carlton’s true passion lies in helping others achieve generational wealth. Through personalized strategies and thoughtful guidance, he aims to create a lasting legacy for families, ensuring a solid financial foundation for the generations to come.

With Carlton as your partner, you can rest assured that your financial goals are in capable hands. Let Carlton guide you towards a secure and prosperous future, where you and your loved ones can confidently embrace life’s journey. Empower yourself with the knowledge and support needed to thrive-reach out to Carlton today!


Meet Eliana Brown; A first generation Mexican-American woman who is determined to make a difference not only in her family’s life, but also the lives of all those in which she interacts with. In the summer of 2020, she joined the financial industry as a life insurance agent and has made a promise to herself to provide families with the protection and security they need.

Eliana’s passion for helping others stems from her own personal experiences and struggles. She understands the importance of having adequate life insurance coverage and the peace of mind it brings to families in times of need. With her warm, friendly, and most notably, nurturing demeanor, Eliana takes the time to listen to her clients’ needs and concerns while working diligently to help them find the perfect policy to fit their unique situations.

Eliana’s drive and determination to help others, combined with her deep understanding of the insurance industry, makes her an excellent life insurance agent. She is ready and eager to help the community and provide the peace of mind that comes with having the right life insurance coverage.

“The moment I met with Jazzmine and DeVonte, I instantly felt a warm welcome and right at home; that’s exactly the feeling I want to convey to my clients,” -Eliana Brown


Hello everyone, my name is Sabria Culver. I am a licensed life insurance and retirement specialist here at Top Shelf Financial. I pride myself on providing an excellent client experience to every individual, business, and family I am blessed and fortunate enough to work with. I am intentional in the ways I support my clients with reaching their financial goals. I greatly enjoy seeing the growth that comes with a properly structured policy and active management of my clients’ financial portfolios. I have over 15 years of experience in administrative work and customer service. I have also studies at Antelope Valley College for my associate degree in business computer science. Regarding the evolution of the life Insurance industry, my experience and skill sets make my current career as an agent a perfect fit for me.

I was born and raised right here in Lancaster, California in the same hospital as my father. I have a deep connection with the Antelope Valley and its development to what it has become over all these years. I am tied to multiple generations settled here in this valley and this is why the love for my city is so great. With having such a large family, I have witnessed far too many passings of loved ones where adequate life insurance was not present. The chaos that comes without having these precautions in place are heartbreaking. The fact that fundraising and donations are needed/a norm in burying a loved one, to me,equates to an epidemic that must be stopped. Here at Top Shelf Financial I have found my purpose in contributing solutions to alleviate these hardships.

One thing in life that is guaranteed is that we will transition. The question is, would you prefer to leave a peace of mind to the ones left behind when that time comes? I am grateful I have access to knowledge, strategies, and philosophies to help the everyday person achieve their goals of obtaining wealth. With the proper education and support, I am here to help protect the things you love most thrive during your absence.


As a passionate life insurance and retirement specialist, Destiney is dedicated to helping individuals and families secure their financial futures and achieve generational wealth. With a genuine desire to assist others and a commitment to providing a personalized experience, Destiney goes above and beyond to ensure her clients receive the best possible guidance and solutions tailored to their unique needs.

Driven by the belief that everyone deserves the opportunity to build a strong financial foundation, Destiney made a conscious decision to join the financial industry with a specific mission in mind: to educate and empower minority communities on the importance of life insurance as a powerful tool for wealth creation. Recognizing the historical disparities and systemic barriers that have hindered financial progress for many, Destiney is determined to bridge the knowledge gap and open doors to a more secure future for all.

Working with Top Shelf Financial, Destiney understands the complexities of these critical areas and excels in simplifying them for clients. By taking the time to understand each person’s unique circumstances, goals, and aspirations, Destiney crafts comprehensive strategies that not only safeguard against unforeseen events but also lay the foundation for long-term financial stability and prosperity.

Through engaging conversations, educational workshops, and one-on-one consultations, Destiney guides individuals on the path to financial freedom. By emphasizing the benefits of life insurance as a vehicle for wealth accumulation, Destiney empowers clients to make informed decisions that align with their goals, ensuring they have the protection and resources necessary to navigate life’s uncertainties.
Beyond the technical aspects, Destiney is admired for her empathy, patience, and unwavering commitment to providing exceptional service. By fostering trusting relationships and maintaining open lines of communication, she ensure’s her clients feel heard, supported, and confident in their financial decisions.

If you are seeking a knowledgeable and caring professional who will help you navigate the complexities of life insurance and retirement planning while offering a personalized experience, look no further than Destiney. Let her guide you on your journey towards achieving generational wealth and securing a brighter financial future