Wealth Building/Protection and Retirement Income

An annuity is a financial product that helps provide guaranteed income, typically for retirement, by converting a lump sum or series of payments into a steady stream of income, with options for tax-deferred growth.

Infinite banking is a strategy that uses a properly structured whole life insurance policy to build cash value, allowing you to borrow against the policy for personal or business needs while continuing to grow funds in a tax-advantaged environment. Works well for becoming debt free and building savings.

Single premium life insurance is funded with a one-time payment that provides lifetime coverage and builds cash value, offering a tax-advantaged way to transfer wealth and leave a tax-free, probate-free benefit to beneficiaries.

Premium financed life insurance is a strategy that uses third-party lending to pay large life insurance premiums, allowing high-net-worth individuals to obtain significant coverage while preserving personal liquidity.

Disability income insurance provides monthly benefits if you are unable to work due to illness or injury, helping replace lost income and maintain financial stability.

Insurance and financial products for business owners and partners help protect the business, provide continuity in the event of death or disability, and support succession planning, buy-sell agreements, and key-person protection.