Insurance Brokerage
Insurance is one of the most misunderstood parts of financial planning—and often one of the most oversold. That’s why we approach it differently.
Broker vs. Agent: Why It Matters.
Insurance agents typically represent a single company and are paid to sell their products. Brokers like us have access to multiple carriers and are under no pressure to recommend one over another. We’re not trying to “close a sale”—we’re here to help you solve a planning need.
That means you get:
- A wide range of product options
- Recommendations based on fit, not commission
- Clear education on how the policies actually work
- Peace of mind knowing the advice is 100% in your best interest
What We Help You Evaluate
Life Insurance
Life insurance pays a benefit to your loved ones when you pass—but how you use it can vary widely. Whether you need coverage for family protection, estate planning, charitable giving, or to supplement retirement, we help you choose the right type and structure it properly.
There are two basic types:
- Term life – coverage for a set period at a lower cost
- Permanent (cash value) – long-term coverage that builds equity
We’ll explain the differences, show you where each one fits, and help you avoid common mistakes—like overpaying for the wrong kind of policy or misunderstanding how cash value works.
Fixed & Fixed Indexed Annuities
Annuities are often misunderstood—and sometimes misused. We only work with fixed annuities and fixed indexed annuities because they’re straightforward, transparent, and don’t involve market loss.
Annuities can offer:
- Tax-deferred growth (often called “triple compounding”)
- Steady income in retirement
- A predictable stream you won’t outlive
We’ll help you understand how they work, when they make sense, and how to avoid locking up too much money for too long. If an annuity fits, we’ll show you how to structure it as part of your retirement income plan.
Long-Term Care Insurance
The long-term care landscape is changing quickly—pricing, availability, and underwriting rules shift year to year. We help you navigate this market and understand what you’re actually getting for your premiums.
Most policies offer a pool of money to help pay for care if you can’t perform two or more of the six Activities of Daily Living (ADLs)—like bathing, dressing, or eating—or if you develop conditions like dementia or Parkinson’s. We’ll help you weigh the cost vs. benefit, compare traditional and hybrid options, and make sure your plan supports both your care needs and your financial goals.
Disability Income Insurance
Your ability to earn an income is your most important asset. If an illness or injury keeps you from working, most people are surprised to learn that Social Security and worker’s comp usually don’t apply.
That’s where private disability insurance comes in. In exchange for a premium, it provides tax-free income if you can’t work due to a qualifying disability. We’ll help you look for features like:
- Non-cancellable policies (your rates can’t go up)
- Own-occupation coverage (you’re covered if you can’t do your specific job)
We believe that good planning includes protection—but only when it fits the bigger picture. That’s why every insurance conversation we have starts with education, not products.
Independent & Unbiased
We’re a broker, not an agent—so we’re free to recommend what’s best for you, not what pays us the most. No quotas, no pressure, no agenda.
Education-First Approach
We take the time to explain how each product works, what it costs, and where it fits (or doesn’t). You’ll never be asked to make a decision you don’t understand.
Part of Your Bigger Plan
Every insurance recommendation is made in the context of your overall financial goals. We coordinate with your retirement, tax, and estate strategies—not in a silo.
Ongoing Support
We don’t disappear after the policy is issued. If your needs change or questions come up down the road, we’re here to revisit and adjust as needed.