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Leaving no stone unturned to find the best financial solutions

Group Medical

  • Individual Medical
  • Medicare Supplement
  • Long-Term Care Plans
  • Disability Insurance
  • Business Overhead
  • Disability Insurance
  • Cafeteria Plan


Life Insurance

  • Term Life
  • Whole life
  • UL
  • IEUL
  • Return of Premium


  • IRAs
  • 401k
  • 401h
  • Defined Benefit
  • Profit-Sharing
  • Tax-Free Pension(IEUL)
  • Gold & Silver Pensions

Annuities: What Are They and How Do They Work?

When planning for retirement, many people are faced with the daunting task of figuring out how to make their retirement savings last a lifetime. One tool that can help in achieving this goal is an annuity.

An annuity is a financial product that provides a regular income stream for a set period of time, typically for the rest of your life. They are sold and managed by insurance companies, and there are several types of annuities available.

The most basic type of annuity is a fixed annuity, which offers a guaranteed rate of return for a set period of time. This can be a good option for those who want a steady income stream without any market risk. Variable annuities, on the other hand, offer the potential for higher returns but also come with more risk, as the rate of return is tied to the performance of investment options chosen by the investor.

Another type of annuity is the immediate annuity, which begins payments immediately after purchase. Deferred annuities, on the other hand, allow investors to delay receiving payments until a later date. Both of these types of annuities can be either fixed or variable.

One of the primary benefits of annuities is their ability to provide a guaranteed income stream, which can be especially valuable for those who are concerned about outliving their retirement savings. They also offer tax-deferred growth potential, meaning that the money invested in an annuity can grow tax-free until it is withdrawn.

However, annuities also come with some drawbacks. For one, they can be expensive, with high fees and commissions often associated with their purchase. Additionally, annuities can be complex and difficult to understand, which may discourage some investors from considering them as part of their retirement strategy.

When considering an annuity, it’s important to carefully evaluate your financial goals and needs, and to do your due diligence before choosing a specific product. Working with a financial advisor can be beneficial in this process, as they can help you assess whether an annuity is a good fit for your investment portfolio and retirement plan.

Overall, annuities can be a valuable tool for providing a guaranteed income stream in retirement. However, they come with their own set of pros and cons, and it’s important to carefully consider these factors before deciding whether an annuity is the right choice for you.

Ask about our Gold & SILVER, Annuities(fixed & indexed), Tax-Free monthly Income Plans, Life Settlements

Business Solutions

Key employee retention plans, CAPTIVE Insurance company, converting your assets into a monthly income plan, BUY/SELL agreement funding, Business exit planning, Income TAX planning

What are my next steps… Making your business more profitable

Do you have a net worth of 5 MILLION or more? Would you like an investment in which you can earn a predictable DOUBLE DIGIT Rate of Return? Would you like to have your bank make your life insurance payments instead of paying the premiums out of your pocket?

If you said YES to the above three questions then you may be a candidate for PREMIUM FINANCED LIFE INSURANCE. Not only does this provide vital protection, but it will also provide a tax-free INCOME for your lifetime. If you can qualify for the net worth, then you can earn a double-digit income. Simply give us a call or e-mail and provide your DOB and health status.

You will be glad you did. When you learn how this strategy works you will want to engage it.

man standing on top of rock mountain during golden hour
man standing on top of rock mountain during golden hour


Buy/Sell Agreements

It's Fine With Me but I have a Partner

Are you blessed to have one or more partners in your business? If so consider this: Should your partner pass away it could be devastating to your business. For one, your partner's heirs have to be dealt with. By ascertaining what your business is currently worthwhile everything is well and going well is a very wise activity. This will cut down on disputes as to the value of the business. Likely you don't want to be in business with your partner's spouse. Purchasing life insurance to cover the buyout is the least expensive solution for everybody and is very final. Owning BUY / SELL protection for your business is a very loving way of running your business.


Consider Disability Insurance

man writing on paper
man writing on paper

Attention Doctors, Lawyers, and Indian Chiefs As a professional you spend many years and invested many dollars to obtain your licensing and degrees. Should you ever become sick or injured and unable to perform the regular duties of your occupation, here is what happens. Your expenses continue, such as your rent, salaries, and all the endless costs of running an office. Owning a Disability Overhead Expense Policy is tax deductible, affordable, and will save the business that you have worked your entire work life to build. To learn more about this valuable protection simply e-mail me your DOB and current monthly expenses, and smoking status. We will quote this with the best A-rated companies that specialize in disability policies.

Benefits of Charitable Remainder Trusts

Charitable Remainder Trusts: A Powerful Tool for Estate Planning and Charitable Giving

Charitable remainder trusts are powerful legal instruments that allow individuals to provide for themselves and their loved ones while also supporting their favorite charities. By setting up a charitable remainder trust, individuals can donate assets to charity while retaining an income stream and other benefits during their lifetimes. Here’s an overview of how charitable remainder trusts work and why they’re such a compelling option for estate planning and philanthropy.

What is a Charitable Remainder Trust?

A charitable remainder trust (CRT) is a type of irrevocable trust that allows individuals to donate assets to charity while receiving income and other benefits during their lifetimes. Here’s how it works:

1. The donor contributes assets, such as stocks, mutual funds, real estate, or cash, to the CRT.

2. The assets are managed by a trustee, who can be the donor or a professional trustee.

3. The donor receives income for a specified period, such as their lifetime or a set number of years.

4. At the end of the specified period or upon the donor’s death, the remaining assets in the trust are distributed to one or more designated charities.

Types of Charitable Remainder Trusts

There are two main types of charitable remainder trusts:

1. Charitable Remainder Annuity Trusts (CRATs): With a CRAT, the donor receives a fixed dollar amount as income each year. The amount is based on the value of the trust assets at the time the trust is established.

2. Charitable Remainder Unitrusts (CRUTs): With a CRUT, the donor receives a percentage of the trust assets each year. The percentage is either fixed or can be adjusted annually based on the value of the trust assets.

Benefits of Charitable Remainder Trusts

Charitable remainder trusts offer several benefits for both donors and charities, including:

1. Tax Benefits: Donors receive an immediate tax deduction for the charitable contribution portion of the trust assets. Additionally, if the trust is established as a tax-exempt entity, the CRT’s earnings and capital gains are not taxable.

2. Income for Life: Donors receive a lifetime income stream while retaining control over the assets in the trust.

3. Diversification: CRTs provide an opportunity for donors to diversify their assets without triggering capital gains taxes.

4. Charitable Giving: By designating one or more charities as beneficiaries of the trust