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8890 Cal Center Drive,

Sacramento, CA 95826
Graham P. Gaerlan

Graham P. Gaerlan

Managing Director

Managing Director Graham P. Gaerlan is passionate about helping others forge a path to financial independence and multi-generational wealth. “I want to help as many people as possible protect their income and build wealth,” he explained, “so they don’t have to experience what my family endured when I was younger.”

As a first-generation immigrant, Graham’s family came to the U.S. in 1991. His parents worked multiple jobs to earn income to support the family’s new beginnings but also to support family members back in the Philippines. His father was a courier and would deliver packages every day from five in the morning until sunset. “My dad is the eldest of nine children. He couldn’t call in sick when he was ill, because if he did so many back home would struggle,” remembered Graham.

Despite the family’s financial hardship, Graham earned a Bachelor’s degree in Managerial Economics from the University of California, Davis. After graduating, he worked in the bank industry for over 10 years, until he met Head of Agency Thomas Le in 2015. It was an encounter that changed Graham’s life. 

He accepted a position as a financial professional. In his new role he attracted and built relationships with clients committed to protecting their income and building wealth with life insurance and other financial products. Graham loved the entrepreneurial nature of the work. And he enjoyed collaborating with his fellow life insurance agents.

Today Graham is a member of the leadership team at LEGACI Tomorrow Insurance & Financial Services. He helps shape the direction of the Sacramento, CA-based agency, and he leads its agent training and development program. Joint work, collaboration and stellar customer service are ingrained in the agency’s culture. “I am proud of what we are building at LEGACI Tomorrow Insurance & Financial Services. We are helping our clients as well as our financial representatives create financial legacies that will impact their families and communities for generations to come.”

Graham is also passionate about growing and leading his own team of financial representatives. He is eager to meet individuals who are coachable and have a motivating “why” for wanting to achieve more. “I can't inspire you to get out of bed in the morning and come to work,” he joked, “but if you’re disciplined, entrepreneurial and driven, I can teach you to succeed in this industry so you can earn what you’re worth.”

Graham said his wife Michelle, a master hairstylist and former salon owner, has been a pillar of strength. “Like the other spouses and partners of the leadership team at LEGACI Tomorrow Insurance & Financial Services, her support enables me to perform at my very best and accomplish so much.”

Graham and Michelle are the proud parents of four girls: Mia, 18; Olivia, 13; Carter, four; and Peyton, three.


Registered Representative of Park Avenue Securities LLC (PAS). Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. CA Insurance License #0193000