Two founders.
Two reasons to trust this.
ABNORMAL RESERVE was built by Ricky Randolph Carr and Caitlin Roque, one from professional practice, one from lived family experience. Both are licensed life insurance professionals, and both are the people you will actually speak with.
You work with the founders.
Not a call centre.
When you book a consultation, you are booking time with Ricky or Caitlin. The same two people who built this practice are the two people who answer your questions, explain your options, and stay reachable long after a policy is issued.
Consultations are virtual and available across the United States, subject to applicable licensing and product availability.
Ricky Randolph Carr
Licensed Life Insurance Professional · Sacramento, CA
Ricky is a licensed life insurance professional based in Sacramento, California. His practice was built around a pattern he kept seeing: capable people making permanent financial decisions under pressure, with jargon in the way and urgency crowding out understanding.
He built the practice around the opposite approach. The pace is the client’s. The language is plain. The recommendation is theirs to accept, change, or walk away from, without anyone leaning on them.
That is a philosophy, not a sales technique, and it has a practical consequence: sometimes the right answer is less coverage than someone expected, a different product than they came in asking about, or no purchase at all.
Caitlin Roque
Licensed Life Insurance Professional · Sacramento, CA
Caitlin’s perspective on this work did not start with a product. It started with a family. Her father was a recipient of living benefits, and through his experience she and her family saw up close what it means when a serious health event reshapes a family’s finances and planning needs.
That experience is the reason this practice emphasizes living benefits the way it does. Not as a selling point, but because she has watched what happens when a family learns about these provisions too late to plan around them.
She brought roughly fifteen years of connection to the financial services industry through her father’s career, and about eight years of her own experience, into founding ABNORMAL RESERVE. The point was never to sell a product. The point was to give families the kind of clear, patient guidance her own family had to find on its own.
Three principles, no exceptions
Honesty, always
If something is not right for you, we will say so, even when it means we do not get the business.
Clarity, every time
Plain language and complete answers. You leave every conversation understanding exactly where you stand.
Pressure, never
The pace is yours, the timeline is yours, and the decision is always entirely yours.
What we are, and what we are not
- We are licensed life insurance professionals. That is the whole of our authority.
- We are not tax advisors, investment advisors, or fiduciaries, and we will not describe ourselves that way.
- We are based in Sacramento, California. We work with clients virtually across the United States, subject to licensing and product availability, we do not have offices in other cities.
- We will tell you when a question belongs with your attorney, your CPA, or another professional.
You can read our full licensing and disclosures for the detail behind each of these.
Talk to one of us directly.
A free, no-obligation conversation about what protection could look like for your family. No pressure, and no one else in the room.
Confidential · No obligation · Your pace