We Offer "PEACE OF MIND" To Our Clients

  • We use products that guarantee principal protection from any future loss.

  • We can provide a custom lifestyle financial plan, not a financial transaction.

  • Our plans provide can upfront 4-12% bonus on money if needed.

  • No commissions or upfront fees - 100% of your money goes to work!

Here’s What Our Clients Have Enjoyed Over The Last 11 Years:​

  • They didn’t lose a dime or a night’s sleep in 2009

  • Average Annualized Returns of 6% since 2009, with no risk

  • Their $100,000 in July 2007 is now worth $190,000

  • All gains are NOW locked-in from any negative market performance

  • Peace of Mind in a world of financial uncertainty

Are You Worried About Not Having Enough Money in Retirement?
  • Are you trying to recoup your losses and chasing returns?

  • Do you know how to best turn your assets into income?

  • Are your savings accounts all over the place?

  • Do you feel like you have no control over retirement?

  • Is there a lack of confidence in your current plan?

  • Are you scared of looking like a failure?

Look beyond uncertainty as you prepare for retirement

The historic volatility combined with the limited availability of traditional retirement income sources, such as defined benefit pension plans, has placed a greater responsibility on Americans savings for their future. With this greater responsibility comes a need for financial solutions that can help provide a new level of protection for retirement savings.

Whether your long-term objective is to build a source of guaranteed lifetime income, save for a specific retirement goal, or leave a legacy for your loved ones, we can help by offering annuities with benefits designed to meet your retirement needs.

Focus with on what you want your financial future to look like. We understand there's not one strategy or vehicle that's the solution to meet everyone’s financial goals. We work with each client on your unique financial profile and direction to position you in the best way possible to achieve your goals. Your peace of mind is our success.

These days, too much advice centers around stock market returns. While everyone wants to have good returns, they are far from the whole story.  More important than returns is volatility control. Can you afford another 2008 market crash?  You have options you probably don't even know exist. Protection and leverage.

Does your financial plan have these key ingredients? Are you carrying all the risk of getting sick, running out of money or dying sooner than expected? Let's discuss shifting your risk and protecting what you have and at the same time preparing for future healthcare costs, taxes and retirement expenses. The first step is making contact.

Cash Value Life Insurance

Life insurance is a big part of what we do. It's a FAR more flexible and powerful tool than what most people realize.  It actually has more benefits than any other plan available. We use it to create a tax-free income, no loss of principle, as a hedge against healthcare costs, living benefits and of course it will always be there to pass onto to your beneficiaries tax-free.

We use it primarily to create income.  And as Americans are getting older and realizing how expensive healthcare is going to be as we age, we also use it for critical care future needs, also known as long-term care insurance.  If this isn't part of your portfolio, you need to have a conversation with us.  It is essential to making it all work for your future.


Most people don't know how annuities work.  There are many options for these products and can be very effective when trying to achieve certain financial goals. We look at financial planning from the perspective of leverage and risk management. We stick with solutions that do not carry market risk.

Our planning is centered on how taxes play out in retirement, Social Security and healthcare expenses that too many people are unprepared for. Market returns are one thing, and we like them, but they don't tell the whole story. 

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