At our firm, we have the client—and only the client—in mind.

Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.

Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many businesses and individual struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating our clients in an easy-to-understand manner so they can grasp and use those concepts to pursue their financial objectives. We feel a commitment to our community.

Elizabeth P. Gavino, CEPA, FNTP, LUTCF




Elizabeth Gavino, President, and Owner of Lewin & Gavino Inc., established the company in 1995 with a vision to simplify insurance solutions for businesses and individuals alike. With nearly three decades of experience in the insurance industry, Elizabeth is widely recognized for her unparalleled expertise, not only in Medicare but across a spectrum of insurance services.

Clients entrust Elizabeth to guide them through the intricacies of various insurance options, including life insurance, long-term care, disability insurance, employee benefits, and exit planning. Her comprehensive approach integrates these solutions seamlessly into their holistic financial and retirement planning strategies.

In addition to her client-centric work, Elizabeth is dedicated to educating and empowering industry professionals. Through her brokerage, she conducts comprehensive training sessions for brokers and financial planners on a wide range of insurance topics, ensuring they are well-equipped to meet the diverse needs of their clients.

Elizabeth's commitment to service extends beyond her professional endeavors. She has been actively involved in various industry organizations, including the National Association of Insurance & Financial Advisors (NAIFA), the NYC Chapter of Women Life Underwriters, and the Financial Planning Association (FPA) of NY, where she served as the Sponsorship Chair for the 8th Annual Financial Fitness Workshop in collaboration with Kiplinger’s Magazine.

Throughout her career, Elizabeth has demonstrated a deep-rooted passion for community engagement and philanthropy. She has volunteered with organizations such as Cancer Care in NYC and served as a member of the Hoboken Chapter of Rotary International, where she received the Club Service Award for her outstanding contributions. She was also a member of the San Diego Rotary Club.

An advocate for holistic well-being, Elizabeth expanded her expertise beyond insurance to include health coaching and nutritional therapy. Recognizing the interplay between health and financial stability, she emphasizes the importance of optimal health in mitigating the need for extensive insurance coverage. Elizabeth's dedication to promoting balanced living is evident in her corporate seminars and individual coaching sessions, where she empowers individuals to lead healthier, more fulfilling lives.

As a respected authority in both insurance and wellness, Elizabeth has shared her insights through various media outlets, including CNBC, CNN, PopSugar, and The Huffington Post Healthy Living Section. She is also the author of "Balanced Life, Happy Life" and is currently working on her second book.

Elizabeth currently resides just outside of San Diego in Temecula Wine Country with her husband, who is passionately engaged in vineyard work, embodying their shared commitment to a balanced and fulfilling life.

Rosana Noda

Office Manager



Rosana recently joined Lewin & Gavino as the new office manager.

Before joining the team, she worked many years as an office manager for a large construction company in the Orange County area. She is known for her positive attitude and enthusiasm for her work.

Recently, Rosana married the love of her life and moved down to the beautiful San Diego area. She and her husband have five amazing kids.  She loves to travel with her family and engage in many outdoor activities such as hiking and jogging.  In addition, she loves to volunteer her time at the San Diego Rotary. She is also looking forward to helping military familes through the San Diego USO.