Wealth Strategies

Why This Matters

These are educational starting points. Nothing on this page is a promise of a result. Availability and suitability depend on your circumstances and on an appropriately licensed professional.

As a licensed Life Insurance and Annuities Agent working with multiple highly rated insurance carriers, I help clients explore personalized financial protection and retirement income solutions based on their individual circumstances and goals.

Service Menu

Explore the strategies we can review together.

Market Loss and Asset Protection

A conversation about what can happen when markets fall.

Market loss and asset protection is a way to talk about what might happen to savings when markets fall. What, if anything, fits depends on your circumstances and on an explanation from an appropriately licensed professional.

Indexed Universal Life

A form of permanent life insurance that may be linked to an index.

Indexed universal life is a type of permanent life insurance whose cash value may be linked to a market index. How a policy works, what it costs, and whether it fits depend on the contract and on your circumstances. An appropriately licensed agent can explain it.

Family Bank and Infinite Banking

One way to look at cash-value life insurance. Not a promise of a result.

Family bank and infinite banking ideas use cash-value life insurance as one possible planning tool. They are not a promise of a result. Whether the idea fits depends on your circumstances and on an appropriately licensed review.

Retirement Planning

A conversation about the income you may want later.

Retirement planning is a conversation about the income you may want later and the accounts you already have. The mix that fits depends on your circumstances. This page is education, not a forecast.

401(k), IRA & Retirement Account Rollovers

One option to compare when you review a retirement account.

A rollover is one option some people consider when leaving an employer plan or reviewing an IRA. Moving that money can have tax and penalty consequences. An appropriately licensed professional can help you compare the choices for your circumstances.

Mortgage Protection

A way to discuss the loan if income is interrupted.

Mortgage protection is a way to discuss how a home loan might be addressed if income is interrupted. Which product, if any, is suitable depends on your circumstances and on what an appropriately licensed agent can offer.

Term & Whole Life Insurance

Two kinds of coverage, explained for your circumstances.

Term life insurance covers a set period. Whole life is a form of permanent coverage. Which, if either, fits depends on your circumstances. An appropriately licensed agent can explain the differences.

Business Owner Plans

Questions about protecting a business and the people it depends on.

Business owner plans are a place to talk about protecting the people and the income a business depends on. What is available depends on your circumstances and on an appropriately licensed review.

Million Dollar Baby College Funds

An educational look at setting money aside early for a child.

The Million Dollar Baby idea is an educational look at how amounts set aside early might be intended for a child's future. It is not a promise of a future balance. What is suitable depends on your circumstances.

Your Number

This sketch asks what yearly income you want later, subtracts the Social Security and pension amounts you type, and multiplies what is left by 25. That multiple is the 4% rule of thumb. It also projects savings with monthly compounding and estimates any extra monthly amount that would close a gap. Change any slider and the figures update.

FIN

Yearly income not covered by the Social Security and pension amounts you entered, times 25.

Your Financial Independence Number

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Projected savings

Current savings plus the monthly amount, compounded monthly at the return you entered, until the target age.

Additional monthly savings

The extra monthly amount that would close a gap by the target age, if that return arrived every month.

A plain-language sketch

This is a hypothetical illustration. It is not a guarantee and it is not financial, tax, or investment advice. The 4% figure is a rule of thumb. Returns are not guaranteed. Social Security and pension amounts are estimates you entered.

Get your personalized report

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Financial Score Card

Want more information on where you stand? Watch a short presentation and get your own Financial Score Card.

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