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  • 2025 Commission Planning
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  • Exit Planning
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About Us

Our History

Phil Calhoun earned his MBA from California Polytechnic University Pomona in 1984 and began a career path leading into the health care industry. In 1980 he worked in health care services for six years, and upon completing an MBA in 1986, he left healthcare and worked for a Mergers and Acquisition firm from 1986 to 1989. In 1989 Phil joined Downey Hospital as Director of Marketing, where he was instrumental in the launch of Golden Outlook, the first and last private label Medicare HMO in California. Phil recruited doctors, developed marketing plans, and assisted with enrollment into Golden Outlook. He branched out in 1993 to start his first insurance agency as Vice President of Business Development for Western Medical Center. WMC Insurance Services focused on all lines of health insurance. 

    After building membership in Medicare plans, Phil purchased the agency from the hospital in 1997. He grew the agency by combining Medicare enrollments exceeding 120 a month, agency acquisitions, and effective recruiting of broker subagents. Phil and his business partner added a Medicare-focused Field Marketing Organization (FMO) to combine with the retail health insurance agency, including Medicare, individual, and group clients reaching over $2.5 million in revenue. 

   In 2016 Phil began the process to exit the WMC partnership, now operating as Beta Benefits. When exit planning efforts failed, Phil orchestrated a partner separation in 2016 and moved the retail clients to Integrity Advisors while divesting the FMO operations to his former partner. Since 2017 Phil increased efforts to grow the retail health agency and expand the work with brokers on commission protection and acquisition, which began in 2014. 

The commission protection successes led to acquiring several retiring broker’s clients. 

     In 2020 Phil’s book “The Health Broker’s Guide to Protecting, Growing and Selling Commissions,” was released. Capitalizing on success since 2014, the momentum from the book, and his articles in California Broker magazine, Phil now focused his efforts solely on commission protection and acquisition. 

    His consulting work with brokers continues to grow as Phil enjoys helping brokers protect their greatest business value, health commissions. In the process, Phil often acquires retiring brokers’ books of business. Since 2018, he has completed seven acquisitions, has 10 Active commission protection deals under agreement totaling over $2,000,000 annually, and has consulted with a dozen brokers on exit planning. 

      He enjoys helping active brokers answer their planning questions, leading to proven solutions to reach 100% commission protection. His consulting work includes access to health broker/agent proven legal agreements with experience to personalize solutions for solo brokers, partners, and agencies resulting in tools needed to find buyers or successor candidates when required. Phil plans to expand his success with an active consulting practice in the commission protection and exit planning space exclusively for health brokers through Commission Solutions based on his subject matter expertise.

    Phil continues to own and operate Integrity Advisors in Tustin, CA, with a team of seven licensed professionals. Integrity’s clients benefit from a commitment to hear and understand their needs and receive affordable solutions leading to the best in industry-leading service. 

Phil has been married to Thea for 41 years, and they have three successful children. Phil also directs a non-profit offering friendly visits to older adults through Project LIFE, where young adults gain wisdom by listening to life journeys shared by older adults.

Expertise you can count on

Phil Calhoun

David Ethington

David Ethington

President of 

Commission Solutions

INTEGRITY ADVISORS

Lic: OH20847 

14771 Plaza Drive Suite C

Tustin, CA 92780 

714-664-0311  

phil@commission.solutions

Click to schedule a phone call


Phil Calhoun enjoys helping health brokers Protect, Grow and Sell their commissions.

His retail agency experience combined with a background in mergers and acquisitions has led to a passion to help health brokers protect their hard earned commissions.

In 2020 Phil’s book, "The Health Broker’s Guide To Protecting, Growing and Selling Commissions," was released.  

With the momentum from the book, and his articles in California Broker magazine, Phil now focused his efforts solely on educating health brokers about commission protection.

In the process Phil helps brokers sell their commissions when they decide to retire.  

In select cases Phil’s agency acquires retiring broker’s books of business.

The consulting work Phil provides includes access to health broker/agent proven legal agreements with experience to personalize solutions for solo brokers, partners, and agencies resulting in tools needed to find buyers or successor candidates  when needed. 


Phil is married to Thea for 45 years and they have three successful children.  Phil also directs a non-profit offering friendly visits to older adults through Project LIFE where young adults gain wisdom listening to life journeys shared by older adults.

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David Ethington

David Ethington

David Ethington

V.P. Medicare Division 

Director of Broker Relations with Commission Solutions  

INTEGRITY ADVISORS

Lic: 0H51381

14771 Plaza Drive Suite C

Tustin, CA 92780

714-664-0605

david@commission.solutions

Click to schedule a phone call


His work has excelled due to his commitment to provide the best service to both health clients and also health brokers. 

He respects the hard work it takes to build a book of business over many years and enjoys providing his role with new brokers as he leads the New Medicare Broker Program at Integrity. 

David serves on the board of Directors for Orange County Association of Health Underwriters (OCAHU).  

He has participated in the commission protection process for seven years and also with acquisitions especially in the broker relationship transfer to our agencies.  


David lives in Orange County with his wife and their cats.  

David is an avid runner and completes several long distance events annually.

He is also learning how to hit a golf ball. 

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Danny Wexler

David Ethington

Danny Wexler

Danniel “Danny” Wexler, JD

Attorney & Counselor at Law 

STRAZZERRI MANCINI LLP

9870 Research Drive

Irvine, CA 92618

858-200-1900

danny@strazzerimancini.com


Core services statement:    

Helping families & business owners get to the heart of highly relevant matters & resolve messes in the areas of Estate, Business & Tax planning.


Planning Work: 

Estate planning, Asset Protection & Business Succession Planning

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John Hassett

David Ethington

Danny Wexler

CPA, Partner 

MALLEY & HASSETT LLP

3561 Howard Ave. Suite 101

Los Alamitos, CA 90720

562-594-6601

JHassett@CalCpaPros.com


Core services statement: 

We provide customized financial support including cloud accounting services, bookkeeping, tax planning, and tax compliance.



Planning Work:

The right level of planning can result in significant tax savings.  We work with individuals and small businesses to help them structure deals and incorporate strategies that minimize the amount they pay in taxes.  

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Our Story

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