We are a financial advice firm that can guide you through a variety of different financial tools that can protect you from risks.  This includes living benefit life insurance, mortgage protection, and IUL for Kids, and Estate Planning.  

Living benefits, provide additional benefits to a life insurance policy which support dependents incase of a critical or debilitating illness.  In the event that you are suffering from a Critical, Chronic, or Terminal illness, you’d be able to accelerate the benefits to protect yourself and your estate from medical bankruptcy.

IUL’s provide an effective tool to grow your investments during stock market booms, that also cap your investment losses during a stock market decline.  This program’s benefits are tax free, and can payout after retirement in a steady income stream.

If you pass away or if you become too sick to make mortgage payments, the Mortgage Protection Plan will send you or your beneficiary money in order to pay off your mortgage.  This can protect new homeowners or their families from bankruptcy or foreclosure in the event of a major life crisis.

We look into your business and give you personal advice on how to transfer, sell, or use your business for retirement.  We also guide you through a variety of contingencies in case a key member of your staff or partner is unable to continue working for that business.  With so many issues to plan and prepare for, give us a call today to help protect your business and plan for the future.

We will go over with you your will, set up trusts, and work on securing estate exemptions that can shield your estate from unnecessary taxes or arbitrations.  We can assist you in setting a power of attorney and choosing an executor for your will.  

With the loss of pensions, annuities can be used to provide stable fixed income during retirement.  Fixed Indexed Annuities credits will index the interest rate of your annuity while providing both ceiling and floor to minimize risk, in the face of an economic downturn.  This means that you won’t lose the principle of your investment if there is a recession.

Investing in an IUL now, would give your child a safe, protected, and tax-free investment that they could cash out for any reason, or use as a retirement fund when they retire.