What We Offer

Products Built Around Your Life Stage

As an independent advisor, I'm not tied to any single company. I shop the market to find the best product for your specific situation — not the one that pays me the most.

Life Insurance

Term Life Insurance

Maximum protection. Minimum cost.

Affordable coverage for 10–30 years — perfect for income replacement, mortgage protection, and young families building wealth. Carriers: Ethos Life, American General/Corebridge.

Best for: Young families, mortgage holders, income earners

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Whole Life Insurance

Coverage that never expires.

Permanent protection with guaranteed cash value growth. Premiums lock in at the time of purchase — the younger and healthier you are, the lower they stay forever.

Best for: Final expense planning, legacy building, lifelong protection

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Indexed Universal Life (IUL)

Growth potential with downside protection.

Flexible premiums, death benefit, and cash value tied to a market index — with a 0% floor so you never lose to a down market. One of the most powerful wealth-building tools available.

Best for: High earners, business owners, tax-free retirement planning

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Key Person Insurance

Protect the people your business depends on.

If a key employee or owner dies unexpectedly, this policy gives your business the capital to survive, recruit, and recover without missing a beat.

Best for: Small business owners, partnerships, employers

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Annuities

Fixed Indexed Annuity (FIA)

Growth without risk. Income you can't outlive.

Your premium earns interest linked to a market index (like the S&P 500) — but with a guaranteed floor so you never lose principal. Convert to a lifetime income stream at retirement. Carriers: F&G, American Equity.

Best for: Pre-retirees (50–65), conservative investors, pension replacement

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Multi-Year Guaranteed Annuity (MYGA)

CD alternative with better rates.

A fixed interest rate guaranteed for 3–10 years — often significantly higher than bank CDs, with tax-deferred growth and no market exposure.

Best for: Retirees, conservative savers, CD rollovers

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Business Solutions

Life insurance isn't just for families. These strategies help business owners protect their companies, reward key people, and plan for transitions.

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Executive Bonus Plan

Reward and retain your talented employees.

An employer-paid bonus allows select employees to purchase their own life insurance policy. The employee owns the policy and its cash value — making it a powerful retention tool with built-in tax advantages.

Best for: Business owners looking to reward key executives

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Buy-Sell with Life Insurance

Protect the continuity of your business.

A funded buy-sell agreement ensures that if a business partner dies, the surviving owners have the capital to buy out the deceased's share — keeping the business in the right hands without a financial crisis.

Best for: Business partners, co-owners, family businesses

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Endorsement Split Dollar

Employer cost reimbursement with retention incentive.

The employer and employee share the cost of a life insurance policy. The employer is reimbursed from the death benefit or cash value, while the employee gets valuable coverage as part of their compensation.

Best for: Employers retaining and rewarding select employees

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Business Solutions

Life insurance isn't just for families. These employer-sponsored strategies help businesses attract, retain, and protect their most valuable people — while creating real financial advantages.

Executive Bonus Plan (Section 162)

Reward and retain your talented employees.

The business pays a bonus to a select employee, who uses it to fund a permanent life insurance policy they own. The employer deducts the bonus, and the employee builds tax-advantaged cash value. A powerful retention tool with no ERISA complexity.

Best for: Business owners, key executives, select employee incentives

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Endorsement Split Dollar

Employer cost reimbursement with an incentive to retain.

The employer and employee share the cost and benefits of a life insurance policy. The employer is reimbursed for premiums paid upon death or policy surrender, while the employee gets valuable coverage and a retention incentive.

Best for: Employers who want cost recovery, executive benefit programs

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Buy-Sell with Life Insurance

Protect the continuity of your business.

A legally binding agreement funded by life insurance that ensures surviving business partners can buy out a deceased partner's share — at a fair price, without liquidating assets or taking on debt. Keeps the business running and the family protected.

Best for: Business partners, partnerships, multi-owner LLCs and S-corps

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Nothing in this section constitutes tax or legal advice — consult a qualified advisor.

Carrier Relationships

Access to multiple top-rated carriers means I find the best fit — not the easiest sale.

F&G (Fidelity & Guaranty)American EquityEthos Life / TruStageAmerican General / Corebridge Financial

Not Sure Which Product Is Right for You?

That's exactly what the free consultation is for. We'll map out your situation and find the right fit together.

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