Dick's Ad (Clean  Glasses) Photo (jpg)

Dick Nehls is the owner of Your-Income-Shield.Com and Nehls Financial & Insurance Services.  We have been serving our clients for over 30 years.  I specialize in applying long term income protection planing and appropriate contract solutions for many of the financial challenges business owners experience in managing their businesses and professionals with their practices.  I also serve families related to their planning needs as well.

  • Our primary service area is the Greater Sacramento and Sierra Foothills area of Northern California.

  • I am a Licensed California Independent Agent and Broker.  It is not insurance companies that I represent, but instead I represent our clients.

  • My California Agent's and Broker's license is  # 0455702.

  • For over 30 years I was a member of NAIFA (National Association of Insurance and Financial Advisors).

  • I also am owner of Nehls Consulting and can advise you on matters related to Income Protection, Business Continuation and other issues pertinent to the long term success of your business

  • We have a number of what we call "Associates" who each own and manage their own financial or professional practices.  Our Associates complement the services and products we offer, so for most of the financial needs that many business owners experience, I and/or our Associates can fill those needs.  Before someone can become one of our Associates, they are evaluated based on their experience, knowledge, integrity and a willingness to treat our clients with the utmost of respect and quality  service.

From Our Family

To Yours


I have worked with Dick Nehls for approximately twenty years.  He has served me very well in both personal and complex business matters related to insurance.

I have benefited greatly by his advice and unrelenting dedication to obtaining proper and well thought-out business and personal insurance coverages.

I recommend Mr. Nehls without any reservation for any business/insurance-related services

Clifford N. Fowler, D.D.S.,  M.S.


Reired Dentist Specialized in 

Periodontics and Dental Implants

Dick's work and attention to detail on my accounts has been a life saver.

His many years of insurance experience and his impeccable honesty and integrity has resulted in years of great service and a great friendship.

You can take his advice and counsel to the bank.

Jack Kimmich

Owner :  Hydro Tech Transport

Division of Soils To Grow

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October 19, 2017

Dick found us many years ago :  a 27-year-old with a $5,000 life insurance policy.

He has helped us with all aspects of our financial life.

He has never let us down, and is still working with us.

We trust him with our family's future !

Craig and Denise Cattani

Retired Owners,

Comstock Mill (Cabinet Makers)

June 6, 2018

I have known Dick Nehls since the 1990's.  I had opened an office in Auburn, California, to provide medical services to insurance agents who would send their clients to me for required physical exams for insurance applications.  Dick was one of the few agents I could trust for giving his clients honest information on what to expect when I came to complete their Insurance  Exams.

I closed my office in 2007 but still keep in touch with Dick and his wife.  I am happy to say Dick is still the same honest and trustworthy  businessman who first walked into my office.  There are few like him around anymore.

Ellen Bradley

Bradley Foothill Exams