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We specialize in life insurance and retirement planning, helping individuals and families secure their financial future. Our services include term and whole life insurance, universal life insurance, annuities, and retirement planning strategies.

As an independent financial services brokerage, we work with multiple insurance and financial providers to offer personalized solutions. Our goal is to help you find the best coverage and retirement plans based on your unique needs and financial goals.

Unlike a single provider, we offer access to multiple carriers and financial products, ensuring you receive competitive rates and customized options. We advocate for you and simplify the process, providing unbiased guidance tailored to your needs.

We offer a variety of life insurance options, including: Term Life Insurance – Affordable coverage for a set period (10, 20, 30, 40 years). Whole Life Insurance – Permanent coverage with cash value accumulation. Universal Life Insurance – Flexible permanent coverage with investment potential. Final Expense Insurance – Designed to cover funeral and end-of-life expenses.

The ideal coverage depends on factors like your income, debts, and financial goals. A common recommendation is coverage equal to 10-15 times your annual income, but our advisors can help you determine the right amount.

Life insurance premiums are based on: Age Health history Lifestyle (e.g., smoking, hazardous occupations) Coverage amount and policy type Family medical history

Some policies require a medical exam, but we offer no-exam life insurance options that use simplified underwriting or accelerated approval processes.

Yes! Many policies allow for adjustments, including increasing coverage, converting term life to whole life, or adding riders for extra benefits.

We provide personalized retirement strategies, including: Annuities – Guaranteed income for retirement. Permanent Life Insurance with Cash Value – A tax-advantaged way to grow wealth. 401(k) Rollovers – Transferring old retirement accounts into better investment options. Income Planning – Ensuring you don’t outlive your savings.

It’s never too early to start! The earlier you plan, the more time your money has to grow. However, if you’re closer to retirement, we can still help you maximize your savings and income options.

The amount varies based on your lifestyle, healthcare needs, and expected expenses. A common rule of thumb is to save 70-80% of your pre-retirement income per year. We can help you assess your situation and create a custom strategy.

Annuities are financial products designed to provide a steady stream of income, typically used for retirement planning. They are offered by insurance companies and can be structured to pay out for a specific period or for the rest of your life. Guaranteed Income – Annuities provide a reliable income stream, ensuring you don’t outlive your savings. Tax-Deferred Growth – Earnings within an annuity grow tax-deferred, meaning you won’t pay taxes until you withdraw funds. Customizable Payout Options – You can choose lump-sum, fixed-period, or lifetime income payments based on your needs. Protection Against Market Fluctuations – Some annuities offer fixed returns to protect against stock market volatility. Legacy Planning – Certain annuities allow you to pass on remaining funds to beneficiaries.

Yes! We help clients roll over 401(k) and IRA funds into new plans that offer better investment options, lower fees, and more flexibility.

Certain life insurance policies, like whole life and indexed universal life insurance, accumulate cash value over time. This can be used as a tax-free income source in retirement or a way to leave a financial legacy.

The process typically involves: Speaking with an advisor to determine the best policy or plan. Completing an application. Undergoing a medical exam (if required). Receiving underwriting approval. Activating your policy by making the first payment.

You can access your account online through our Client Portal, where you can view policy details, update information, and manage payments.