About Us

What’s the number one reason why people outlive their money? 

 

Long-term care. 

 

And we have seen the devastation it causes to individuals and their families. That’s why we specialize in helping our clients plan for unexpected costs they may face during retirement—Because every person deserves a worry-free retirement.

 

We do this by conducting a custom financial assessment to identify what assets are best suited to convert into products like annuities* and life insurance policies. These act as safety nets in case long-term care is needed. We take advantage of little-known tax incentives and government programs that don’t require asset spend-downs.

 

These aren’t one-size-fits-all programs either. Each plan is entirely customized to our client’s best interests. We know that long-term care is one topic most of us would rather avoid than discuss. That's why we made it our mission to ensure our clients are ready in case it becomes a topic they have to discuss-- Because when you have the right plan, nothing is unexpected.

* Fixed Annuities are long-term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.