OUR SERVICES

Our team of associates and financial professionals are available to assist you in accomplishing your personal and retirement goals. Their role is to educate you on the options available for meeting your financial objectives and assist you in making more informed decisions.

Home is where the heart is

Mortgage Protection

If you’re like most Americans, your home is the largest purchase you have ever made, and the most valuable asset you own. And your mortgage payment is likely your family’s largest monthly expense.

But what if you were to be suddenly hit with unexpected medical bills?

What if you are out of work for several months at a time recovering from a heart attack, and can’t keep up with your mortgage payments? What if you or your spouse passed away unexpectedly, leaving the other to shoulder the burden of the mortgage payment on their own? These aren’t pleasant situations to imagine, but it is a risk that is important to be prepared for.

Mortgage protection plans are designed to pay off the balance of your mortgage should you pass away. Our plans also put much-needed money in your hands if you suffer a major illness – like a heart attack, stroke, or cancer. This money can be used to keep the mortgage bills paid in those potentially difficult financial times, and offer peace of mind when it comes to keeping a roof over your family’s heads.

Have you started saving for their college yet?

College Planning

With college tuition costs continuing to climb at an alarming rate, proper college planning is more critical for parents today than ever before.

Did you know that the average college student will graduate with $30,000 of student loan debt?

That may not sound like a lot, but when you take into account the fact that they have to pay interest on that debt once they graduate college, the albatross of student loans can create a difference of as much as $350,000 by the time they reach retirement!

There is a multitude of vehicles out there that can be utilized to create a college savings plans for your future college graduates, and it is critical to understand your choices.

the new, evolved kind of life insurance

Living Benefits

Are you still protecting your family and finances with the "old kind" of life insurance that only pays out if you die?

Living Benefits life insurance is the new, evolved kind of life insurance. With Living Benefits, you have the power to accelerate your death benefit while you're still living if you suffer a heart attack, cancer diagnosis, stroke, or any other Critical, Chronic, or Terminal illness.

Living Benefits safeguard your family from the cause of 50% of the bankruptcies in the U.S. every year - medical bankruptcy following a critical illness.

Living Benefits have been around for over 20 years, yet most Americans still don't know what they are or what they do. Watch the video and learn how they really work!

Are you setting yourself up for a tax nightmare in retirement?

Tax-Free Retirement

Indexed Universal Life, or IUL for short, can be an incredibly effective way to leverage the power of compound interest, as well as the tax-free privileges afforded to life insurance policies, in a way that can create a tax-free retirement scenario.

Imagine a product that allows you to grow your savings with tax-deferred compound interest over the years, and then can be accessed tax-free once you decide to start accessing it when you retire. Imagine turning on a tax-free income stream at retirement that can last you the rest of your life, no matter how long you live. Tax-free retirement is a reality, and IUL can help you get there.

We specialize in working with our clients to determine whether an IUL is the right fit for them in their current situation, and what results could be expected given their specific age, health, contribution level, and retirement goals.

Watch this short video!

Your business’s success is your success

Business Preservation

Your business is one of your most important assets, and you’ve spent a lot of time planning for its continued success.

We're here to ensure your business is protected against unexpected pitfalls. We'll start by determining where you fall in the four stages of your business’s life cycle: Protect, Build, Optimize, and Transfer.

Protect - Protecting your business from experiencing financial loss is the foundation of business preservation.

Build - As your business reaches stability, you may become more reliant on management teams and key players. The need to plan for the future and to both attract and retain employees becomes more important.

Optimize - At this phase, your business has become established, and you should be looking for ways to get the most out of the business you have built.

Transfer - Eventually you will want to transition out of your business, whether by selling outright or passing it on to your children or another family member.

Do you have your ducks in a row?

Estate Planning

Sitting down with a professional and doing estate planning work is a task that is all too easy to push off until later. Let's be honest: planning for what happens to your stuff after you die isn't the most appealing activity you can think of, is it?

But we've all read about (and possibly experienced firsthand) the horror stories of estate planning failures. Lack of proper planning can cause undue stress to grieving family members, waste enormous amounts of time and money, and permanently damage relationships.

Click here to watch a quick video that will show you why estate planning is so important and the one easy step you can take to get your ducks in a row. You'll sleep better knowing there's a plan in place for the people (and stuff!) you love most!

testimonials

Living Benefits Stories

"It saved the house. It saved us financially"

Jim Johnston was healthy – he surfed, he golfed, and was active. Watch as Jim and his wife Anne relive his unexpected throat cancer diagnosis, and how his Living Benefits life insurance policy ultimately saved them from financial disaster.

Jim Johnston

Cancer Survivor

"It was one thing off our plate"

Keith Rowe was in the best shape of his life. As a soldier on active duty, he was fit and healthy. He had no idea that he would soon be in the fight of his life. After experiencing symptoms while away at a military training school, Keith was diagnosed with testicular cancer.

Keith Rowe

Testicular Cancer

"I tell everyone I know about Living Benefits"

When busy mom and small business owner Natalia Oliveira began feeling pain in her back that wasn’t going away, she went to the doctor to get it checked out. Cancer was the furthest thing from her mind.

Natalia Oliveira

Hodgkins Lymphoma

ProtectING What Matters Most

Have questions? We've got answers.

Our team of associates and financial professionals are available to assist you in accomplishing your personal and retirement goals.

Their role is to educate you on the options available for meeting your financial objectives and assist you in making more informed decisions.

Let us help you eliminate the uncertainty and make the most of the nest egg you’ve worked so hard to build.

Send us a message

Preparing for your financial future is one of the most important steps you can take in life. From tax-advantaged strategies to lifetime income solutions, we can help you create and enjoy the financial future of your dreams.