About the firm
The American Dream was never about earning a paycheck. It was about owning something — and being able to hand it to someone else. That idea is the entire reason this firm exists.
About American Dream Solutions
We started this firm after watching people who did everything right lose ground at the finish line — building companies, careers, and reputations, then handing the outcome to a tax code and documents nobody had reviewed in years. That gap is what American Dream Solutions was built to close. Insurance and annuity contracts are among the few instruments that let a family control timing, taxation, and transfer at once. Used carelessly, they're expensive. Used well, they're the backbone of a plan.
This industry needs a higher standard on both sides. Clients need to know who's operating with real rigor — a poorly structured plan doesn't just underperform, it can undo decades of work. Professionals need it too: too many good agents are boxed in by weak contracts and support built around the carrier's interests, not theirs. We built this firm to serve both — a standard clients can trust, and a platform professionals can build on, without giving up the independence that brought them here in the first place.
We named the firm American Dream Solutions because the clients we serve, and the professionals we back, are the people the phrase was written about — the ones who bet on themselves and won. Our job is to make sure that win survives them, and to give agencies and firms the same shot at building something lasting.
What we do
We work in two instruments — life insurance and annuities — and we use them the way institutions do: as tools for tax, liquidity, and transfer. We also back partner agencies and advisors with the same carrier access and case-design support for middle-market life insurance and annuity cases.
01
Life insurance is the most efficient instrument available for moving concentrated wealth to heirs. We build strategies that fund estate tax liability, equalize inheritances between active and passive heirs, and keep illiquid assets — a business, real estate, a portfolio — intact rather than forced to market.
02
Deferred accounts create a future tax bill nobody underwrites. Properly structured cash value life insurance and annuity contracts can produce income that behaves differently under the tax code, giving clients a second lever to pull when rates or brackets move against them.
03
A high net worth built through ownership carries correlated risk: the business, the brand, and the household balance sheet often move together. We help separate them — creating protected capital that sits outside operating risk and litigation exposure.
04
The strategy only works if it matches the documents. We work directly alongside estate attorneys, CPAs, and existing advisors so ownership, beneficiary designations, and trust language line up with intent — and stay that way as circumstances change.
Every client we serve owns something — a company, a catalog, a career, a family balance sheet. The plan exists to defend that ownership, not to sell around it.
If a strategy doesn't fit, we say so. Firms that only ever agree with the client aren't advising, they're transacting.
The measure of good planning is what happens after the person who built it is gone. We design for that day from the first meeting.
Attorneys, CPAs, business managers, and agents are collaborators, not gatekeepers. The best outcomes happen when the whole table is aligned.
Our process
We start with what the client owns, owes, earns, and wants to protect or transfer — not with a product to sell.
We model the strategy alongside attorneys, CPAs, and business managers so the insurance plan fits the estate plan on paper.
Cases are placed through the firm's negotiated contracts and specialized knowledge, not off a generic shelf.
Income, businesses, families, and tax law all evolve. We revisit the plan so it keeps doing what it was built to do.