Term, indexed universal, whole life, kids coverage and accident protection. We work out which of those your family needs.
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Premium-financed indexed universal life, built to pay out more in retirement than a traditional plan does.
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Index, immediate, and deferred annuities that turn savings into income you can't outlive.
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Buy out the IRS's share of your IRA now, so every dollar it earns from here is yours.
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A dedicated specialist finds your group or individual coverage. Business valuations cost you nothing.
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Protect and transfer what you've built, avoid probate, and save thousands in legal fees.
Plan your estatePhil spent three decades in the business, from mid-90s institutional trading in San Francisco to senior advisory roles at Merrill Lynch. He now works only with GenFi 360 clients.
Insurance, retirement income, taxes and estate plans work as one system. We build them together so no piece undercuts another.
Everything starts with a 30-minute call: plain answers, no obligation. You'll know your options before you commit to anything.
The carriers and platforms we work through. Go straight to the tool or quote you need.
Instant-issue life insurance quotes with no medical exams. Coverage in minutes.
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Model what premium-financed indexed universal life could add to your retirement.
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Estimate a tax-advantaged wealth transfer to your children with the GWT calculator.
Run the calculatorThirty minutes, no cost and no obligation. Phil asks what you already have in place and what worries you, then says whether anything is worth changing. If nothing is, he'll tell you that.
It depends on who relies on your income, what debts would outlive you, and what you want to leave behind. Phil works through those with you, and the number changes as your life does.
Term covers a set number of years and pays only if you die inside that window. Permanent policies stay in force for life and build cash value you can borrow against. Most families end up with some of each.
Kai-Zen is built for high-income earners who have already filled the usual retirement buckets and want more. There are health and income requirements, and Kai-Zen Central lists them.
If you own a home, have children, or hold retirement accounts, you have an estate. A plan names who handles it and keeps your family out of probate court, at any size.
The review costs you nothing. If you put a policy in place, the carrier pays a commission. Phil tells you what he earns on anything he recommends before you sign.
No. GenFi 360 is based in St. Augustine and works with clients nationwide. You can do all of it by phone, video and e-signature.
Phil breaks down the things most people only ever hear from a salesperson, in plain language and without the pitch.
