Plan. Grow. Insure to Protect.

According to a report by HealthView Services Financial, a healthy 65-year-old couple retiring in 2019 can expect to spend more than $387,000 for retirement health care costs, not including long-term care.

You want to protect what matters most, the financial security of your family or business. When getting to know clients we are comprehensive in our capital needs assessment. Debt repayment, Income replacement, Mortgage Expenses, and Education costs for surviving individuals. 

Planning for LTC costs can be daunting. It is often difficult and unpleasant to imagine a time where we need assistance performing Activities of Daily Living (ADLs). We will help you plan for the type of care you want, where you want, should the need arise.

A contract between you and an insurance company in which the company promises to make periodic payments to you, starting immediately or at some point in the future. You may an an annuity with a single payment or a series of payments called premiums.

Most small businesses need some sort of protection. We will help you assess the kind that you need and identify relevant resources.

Life insurance can be more than a death benefit protection. In some cases a permanent life insurance policy can help provide additional benefits.