10 Strategies to
Build, Protect & Transfer Wealth

Tax-Advantaged Wealth Accumulation

Best for: Working professionals, self-employed individuals, high earners

Build wealth using vehicles that grow tax-deferred or tax-free — reducing what you pay the IRS over your lifetime while building a stronger financial foundation.

• Indexed and fixed strategies that grow without market risk
• Tax-deferred accumulation inside annuities and permanent life policies
• Tax-free distributions via policy loans for retirement income
• Reduces your taxable estate over time
• Complements — not replaces — your existing 401(k) or IRA

Asset Protection & Plan Rollovers

Best for: Job changers, retirees, anyone with a 401(k), 403(b), or pension

When you leave a job or retire, your retirement funds need a safe destination. A strategic rollover protects your principal, avoids unnecessary taxes, and positions your money for growth.

• Tax-free, penalty-free 401(k) and 403(b) rollover guidance
• Pension lump-sum vs. annuity analysis
• Principal protection from market volatility
• Guaranteed growth options through fixed vehicles
• Retain control of your funds without employer restrictions

College Education Funding

Best for: Parents and grandparents planning ahead for a child's education

Fund higher education without putting your retirement at risk or burdening a child with debt — using strategies that grow tax-free and remain flexible if plans change.

• Cash-value life insurance as a flexible education savings vehicle
• No restrictions on how funds are used — not just tuition
• Tax-free access via policy loans when needed
• May not count against financial aid eligibility the same way as other assets
• Funds remain available for other purposes if the child does not attend college

Debt Management

Best for: Families carrying high-interest debt limiting their financial progress

High-interest debt is one of the biggest barriers to building wealth. Strategic planning can free up cash flow and redirect it toward protection and growth.

• Identify which debts to prioritize and in what order
• Use policy cash value to consolidate or eliminate debt
• Free up monthly cash flow for savings and protection
• Build a foundation that does not collapse under unexpected expenses
• Coordination with life insurance and living benefit strategies

Life Insurance & Living Benefits

Best for: Individuals and families at any stage of life

Life insurance is the foundation of financial protection — and modern policies do more than pay a death benefit. Living benefit riders allow you to access your policy during a health crisis.

• Term, whole life, and indexed universal life options
• Critical illness, chronic illness, and terminal illness accelerated benefit riders
• Income replacement for your family if you pass away
• Final expense coverage to prevent burial costs falling on loved ones
• Disability waiver of premium to keep coverage in force if you cannot work

Estate & Legacy Planning

Best for: Business owners, property owners, and families wanting to transfer wealth

How you transfer wealth matters as much as how you build it. A proper estate strategy ensures your assets go to who you intend — without being eroded by taxes, probate, or delays.

• Life insurance as a tax-free wealth transfer vehicle
• Beneficiary designation review and optimization
• Strategies to minimize estate tax exposure
• Funding for buy-sell agreements between business partners
• Coordination with your attorney for wills and trusts

Indexed Growth Strategies

Best for: Savers and pre-retirees who want market-linked growth without market risk

Indexed products track market performance while protecting your principal with a floor. You participate in upside when markets rise — and lose nothing when they fall.

• Cash value linked to indexes like the S&P 500
• Zero-loss floor — market drops cannot reduce your balance
• Participation rates and cap rates determine your share of index gains
• Available inside both indexed universal life and fixed indexed annuities
• Tax-deferred growth throughout the accumulation phase

Mortgage Protection

Best for: Homeowners with a mortgage and dependents relying on their income

If you pass away unexpectedly, your family should not lose the home. Mortgage protection ensures the bank is paid and your family stays where they built their life.

• Coverage designed to match your mortgage balance
• Pays directly to your beneficiary — not the lender
• Many policies include return-of-premium options
• Living benefit riders available on many mortgage protection policies
• Affordable coverage often available without a full medical exam

Business & Key-Person Insurance

Best for: Small business owners, partnerships, and organizations dependent on key staff

The sudden loss of a key employee or owner can devastate a business. Key-person insurance provides the capital to survive, restructure, or recruit and train a replacement.

• Policy owned by the business on a critical employee or owner
• Tax-free death benefit received directly by the business
• Funds buy-sell agreements between partners
• Covers revenue loss, loan obligations, and recruitment costs
• Can be used to attract and retain key talent as a benefit

Retirement Income Strategies

Best for: Pre-retirees and retirees wanting guaranteed income they cannot outlive

Running out of money in retirement is one of the most significant financial risks Americans face. Guaranteed income strategies remove that fear entirely.

• Fixed and fixed-indexed annuities for principal-protected accumulation
• Guaranteed lifetime income riders — payments you cannot outlive
• Structured to complement Social Security and other retirement income
• Eliminate sequence-of-returns risk in your retirement portfolio
• Joint life options to protect a surviving spouse