creating family legacies & preserving retirement solutions

Life insurance is a promise - one of the most important promises of all - a promise to be there when you and your family need it most.  

Life insurance is a gift of tax-free and probate-free assets for your beneficiaries - from family & friends to charitable & religious organizations. 

Life insurance can build a Legacy of Wealth over generations.  

We can help you determine the type and amount of life insurance you need. 

REMEMBER...  life insurance isn't for you.  It's for them.  

When it's time for Medicare, we can help you understand your options so you can make an informed decision and choose the plan that will be best for you.  We have Medicare's National Certification (AHIP) and can help clients understand all their Medicare options from Supplements (Medigap) to Advantage plans (part C). 

We help you understand the four parts of Medicare, what each part does, the pros & cons of Supplements and Advantage plans, how they are similar and different, how to avoid Medicare's penalties, which plans offer "extras" like fitness center memberships, over-the-counter allowances, etc.  And especially important, we make sure you understand the Out-of-Pocket costs of each type of plan before you enroll. 

When you have made your decision, we complete your enrollment so there are no delays or complications, and you get the plan you want and the effective date you need. 

We can also help you with ACA (Affordable Care Act) Marketplace plans if you need to cover a gap between Retirement and Medicare. 

In addition, we help our clients with other types of coverage like Dental, Vision, Hearing, Hospital Indemnity plans, and First Diagnosis Cancer / Heart / Stroke Insurance.  

* CMS (Centers for Medicare & Medicaid Services) requires this disclaimer... 

We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare at 1-800-MEDICARE for more information about your options. 

Long-Term Care Insurance is an important decision - and often a difficult and confusing one.  The "Guide to Long-Term Care" (see the link at the bottom of the page) can help you think through some of the important questions about Long-Term Care Insurance.  The Guide is published by the NAIC (National Association of Insurance Commissioners) and provides a helpful overview of long-term care insurance options. 

We help our clients understand the three types of Long-Term Care Insurance options: Traditional plans, State Partnership plans, and Hybrid Insurance/Annuity plans. 

We can help you determine which type of plan will be best for you.  

Living well longer is great but it has created some complications.  The biggest fear among seniors has become:  What if I outlive my money? 

The answer for many seniors is a "Retirement Annuity" which provides a guaranteed monthly income for life - an income you can't outlive. 

A "Retirement Annuity" is actually a Fixed Indexed Annuity (FIA) that protects your money from the downside of the market while giving you a piece of the upside - and secures for you a guaranteed monthly income for life.  It is often referred to as a "Retirement Annuity" because it is perfect for your IRA.  

The FIA is the only type of annuity that is recommended by well-known advisors like Dave Ramsey and Suze Orman.  Though they criticize annuities in general, they say an FIA is something everyone should have as a part of their retirement plan.  

So if you're tired of the emotional and financial roller coaster of brokerage accounts, an FIA will protect the part of your money you don't want to lose. 

NONE of our FIA clients has ever lost a penny!