What We Offer
Life insurance protects the people who depend on you. It replaces lost income, clears debts, covers funeral costs, and becomes part of your estate plan.
Coverage for a set period, usually 5 to 30 years. If you die during the term, the insurer pays the death benefit to your beneficiaries. If you outlive the term, the coverage expires and pays nothing.
Permanent coverage with cash-value growth tied to market performance. Go through the features, costs and risks before you buy, so the policy matches your goals and your tolerance for risk.
Built for high-income earners. Kai-Zen combines premium financing with indexed universal life to pay out more than a traditional retirement plan.
Visit Kai-Zen CentralPermanent coverage for as long as you keep paying the premiums. It carries a death benefit and a cash value that builds over time.
A participating whole life policy used to clear your debts faster and at lower cost.
The Infinite Banking Concept turns whole life policies into your own banking system.
Coverage for a child. Parents choose it for financial protection, guaranteed insurability, cash-value accumulation, and legacy planning.
AD&D insurance pays out if an accident causes death or dismemberment.
An annuity pays you income for a set period or for the rest of your life. People use them to fund retirement or to lock in income for later years.
Fixed indexed annuities combine features of fixed and variable annuities: a guaranteed minimum interest rate plus upside linked to an index such as the S&P 500. Caps, participation rates and other limits apply to the returns.
Pay a lump sum and the income starts right away, monthly or annually, for a fixed period or for life.
Invest a sum that grows tax-deferred with the insurance company until you choose to start taking income.
Move your money from "always taxed" to "never taxed." A traditional IRA is a joint account with the IRS: they own a piece of every dollar you withdraw. A Roth conversion buys out their share now, so every dollar it earns from here is yours. Early in your career or close to retirement, we work out whether paying the tax now leaves you better off, and we model the options in software built for it.
Our health specialists do the research and weigh cover against cost, whether the plan is for your family or for your employees.
Plans for entrepreneurs, freelancers and families.
Benefit packages that help you hire and keep good people.
You get a direct line to a specialist who knows your situation, instead of a call-center queue.
Find out what your business is worth. Our insurance carrier partner has been trading for over 130 years and will value it for nothing, so you can set your succession and business-continuity cover at the right level. Book a call for details.
Our partner runs portfolio strategies built mainly on ETFs. We work out your tolerance for risk against what you want the money to earn. The strategies are AI-driven and Morningstar rated, and we tune each one to hold a client's volatility down.
Keeps risk low. Returns stay modest.
A middle setting: more return, and the extra risk that buys it.
Goes after the highest returns and accepts the swings that come with them.
Trusts and wills protect what you've built, keep your estate out of probate, and save your family thousands in legal fees.
How to save on estate planning by building and updating your own trust.
Why a trust secures your family's assets and holds legal costs down.
What an estate plan does for your family's finances.
Compare trusts versus probate to see which keeps your assets safe and saves you money.
Discounts on estate documents through our partner, EstateDocsPro.
Strategies to prevent your estate from going through probate.
Call us and we'll show you how to preserve your estate.
Build your trust and will with a 15-day free trial. Start with EstateDocsPro