Our services · The full schedule
Every promise, put in writing.
Insurance and planning disciplines that cover a working life from the first paycheck to the last legacy decision.
The seven disciplines
Core practice areas
Life Insurance
Term, whole, and universal life — plus mortgage protection and final expense coverage — sized to what your family actually needs.
Explore →Long-Term Care
Traditional and hybrid strategies that keep the cost of extended care from consuming a lifetime of savings.
Explore →Medicare & Medicaid
The four parts, the enrolment windows that carry lifetime penalties, and where Medicaid fits when care outlasts savings.
Explore →Disability Insurance
Income protection for the asset every other plan depends on: your ability to earn.
Explore →401(k) & Retirement
Plan design, rollovers, Social Security and pension maximization, and retirement income strategy.
Explore →Estate Planning
Wills, living trusts, powers of attorney and directives — prepared, explained, and followed through to funding.
Explore →Property & Casualty
Auto, home, umbrella, and business insurance — shopped across carriers, reviewed at every renewal.
Explore →The complete practice
Additional services
Beyond the five core disciplines, our licensed professionals work across the full breadth of personal financial protection.
| Income & retirement | Social Security & pension maximization — timing and election strategies that can change lifetime benefits. | Annuities — guaranteed-income instruments for the years after the paycheck stops. |
|---|---|---|
| Growth & goals | Wealth accumulation strategies — disciplined, long-horizon saving frameworks. | Education planning — preparing for college costs before they arrive. |
| Property & casualty | Auto, home & umbrella insurance — what you drive, where you live, and the liability shield over all of it. | Business insurance — liability, property, and commercial coverage for the enterprises our families run. |
| Protection & health | Mortgage protection & final expenses — keeping a home and a farewell from becoming a burden. | Medicare solutions & health care planning — navigating enrollment windows and coverage choices. |
Working it through together
How we work
We work for the family, not the product.
Three steps, built around where you want to end up — we start with your goals and work backward to the plan that reaches them.
- The first meeting is about goals, not products
- We gather only the data the plan requires
- Every recommendation is explained in clear, everyday terms
- Annual reviews keep the plan honest as life changes
The field guide library · Free
Two guides. Sixteen pages. No jargon.
Claiming ages, enrollment windows, the five-year look-back, and how to protect the spouse at home. Enter your email and both downloads unlock on the spot.
No spam — the guides, and nothing else unless you ask.
Unlocked. Copies are on their way to your inbox.
Guide Nº 1 → Guide Nº 2 →Carrier relationships
The companies behind the coverage.
As an independent firm we shop the market — these are among the carriers whose products we place for clients.
Life & annuity
- AuguStar Life
- Guardian
- OneAmerica
- Ameritas
Medicare & health
- AARP
- UnitedHealthcare
- Aetna
- Blue Cross Blue Shield
Auto, home & umbrella
- AAA
- Safeco
- Travelers
- Mercury Insurance
Carrier availability varies by state and by product. Additional carriers are available on a brokerage basis.