Farzin Espahani, Founder of Modern Life Planning
Farzin Espahani is the founder of Modern Life Planning, a modern planning and education brand built to help families, professionals, and business owners make practical decisions about protection, retirement, and longer-life financial planning.
Focus areas
Protection, retirement, family planning, business owner planning, longer-life financial decisions
Planning for longer lives and real-life decisions
People are living longer, changing careers more often, and supporting families, businesses, and aging parents at the same time. Modern Life Planning was built for that reality — practical guidance on life insurance planning, retirement planning, family protection, and business owner planning, designed for the way lives actually unfold.
About Farzin Espahani
Farzin Espahani is a growth operator, marketplace leader, and regulated-market executive with more than 15 years of experience across healthcare, insurance, Medicare, digital marketing, partnerships, and business development.
He created Modern Life Planning to give families, professionals, and business owners a clearer way to think through protection, retirement, and longer-life financial decisions — without the jargon, pressure, or product-first approach that defines too much of the industry.
Why Farzin founded Modern Life Planning
After more than 15 years working inside regulated markets — watching how consumers make decisions about health insurance, Medicare, and financial products — Farzin saw a consistent gap. People were making major decisions without enough context, without a trusted guide, and often without understanding what they were actually buying or protecting. Modern Life Planning exists to close that gap. The goal is not to overwhelm people with financial jargon. The goal is to help them understand what they are protecting, what they are planning for, and what choices may fit their stage of life.
Corporate background and regulated-market experience
Before founding Modern Life Planning, Farzin served as General Manager, Health & Medicare Insurance at QuinStreet, a public company operating in digital performance marketing and consumer acquisition. He led strategy, P&L, partner relationships, compliance-aware growth, and cross-functional execution across a regulated insurance marketplace — working with carriers, brokers, agencies, publishers, and internal product, analytics, and operations teams.
Earlier in his career, Farzin held senior marketing and growth roles at Health IQ, Circa Interactive, Solution21, and American Medical Media. At American Medical Media, he co-founded and helped scale The Patient's Guide, a network of healthcare education and patient acquisition websites later acquired by IAC Publishing.
Career timeline
2020 – Present
Founder
Modern Life Planning
2018 – 2020
General Manager, Health & Medicare Insurance
QuinStreet
2016 – 2018
Senior Growth & Marketing
Health IQ
2012 – 2016
Senior Roles
Circa Interactive / Solution21
2008 – 2012
Co-Founder, The Patient's Guide (acquired by IAC)
American Medical Media
Education and executive training
Academic degrees
M.A. Biocultural Anthropology, Human Behavioral Ecology
California State University, Fullerton
B.A. Sociology, Social Psychology
California State University, Fullerton
Executive education
Northwestern University Kellogg School of Management
MIT Sloan School of Management
The Wharton School
Cornell University
The 100-year-life mindset
Many people are no longer planning for a short, predictable retirement after one long career. A longer life can mean more transitions, more responsibility, and more opportunity — changing careers, starting a business, supporting adult children, helping aging parents, retiring gradually, or continuing to work because staying active and useful matters. That kind of life needs a different planning mindset.
What Farzin helps with
Life insurance planning for families and income protection
Retirement planning across longer, less linear careers
Business owner planning — key person, buy-sell, succession
Family protection and longer-life financial decisions
Health insurance and Medicare guidance
Planning for career transitions and major life changes
Who Modern Life Planning helps
Families planning ahead
Parents, couples, and households that want to protect income, prepare for the future, and make sure the people they love are not left exposed.
Professionals building wealth and protection
People in their 30s, 40s, and 50s growing income, managing career changes, buying homes, raising families, and starting to think seriously about retirement.
Business owners and entrepreneurs
Founders, owners, and self-employed professionals who need to think about income protection, succession, key person risk, business continuity, and family security.
People entering their next chapter
Individuals and families facing a major life transition — a career change, marriage, children, retirement planning, caregiving, or a shift in financial priorities.
Common questions
How to start a conversation
If you are raising a family, building a career, running a business, or preparing for the next chapter — start with a clear conversation. No pressure. No jargon. Just a practical look at where you are and what may make sense.
Modern Life Planning is based in Southern California and serves families, professionals, and business owners seeking practical planning guidance. This site is for educational and informational purposes. Nothing on this page constitutes financial, legal, or tax advice.