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Two Female Business Owners

Knowledge is the Key

We use proven business & financial strategies to stop over-spending on taxes, interest, insurance & daily expenses. It's not magic, it's just math!

Witness the Difference

Discover a new perspective on financial success!

No one dreams of overspending on taxes, interest, insurance, or daily expenses. Yet, businesses, families, and individuals often find themselves caught in this trap.

Imagine a world in which financial strategies not only rein in overspending they create savings that can ensure a better life for your family & secure a better retirement strategy.

It is the financial transformation you never thought possible –

unlocking your full financial potential.  
A life insurance agent preparing for a discovery call

Discovery

Our strategies are great, however we need to understand the fundamentals of your business & your personal life to help you identify over-spending & inefficient money strategy.

Financial Analysis

A comprehensive discussion about key aspects of your business & your personal financial well-being is critical to understand where you are now and where you want to be. We will provide you with a financial report detailing your financial standing.

A life insurance agent reviewing a client's financial analysis
A life insurance agent advising a couple about life insurance

Strategy Development

We use the most powerful tax exemption in the U.S. Tax Code, the tax exemption for life insurance, to develop a comprehensive financial strategy. Our approach not only focuses on reducing debt, interest, and taxes it also aims to cultivate a lasting retirement, build wealth, and provide our clients peace of mind.

Solution Delivered

Are you ready for your new financial reality? We began our conversation by exploring your perspectives on income, debt, interest, and taxes, understanding how these factors either collaborate or, more often, work against each other. Now, we have a plan to create a financial foundation for you and your family. Let's learn more about it. 

A life insurance agent delivering a life insurance policy

Products

The financial services industry encompasses a wide array of customizable life insurance solutions tailored to your unique circumstance.

Our expertise spans multiple carriers and strategies. While we concentrate on specific products, our capabilities extend beyond those products, allowing us to provide additional strategies for your individual needs. 

Debt Action Plan

The Debt Action Plan uses modern banking principles. It’s not magic, it’s just math combined with a few incredible strategies. Discover how to pay off your debt in a fraction of the time using your current budget. Learn how to beat the bank!

My New Retirement

My New Retirement utilizes indexing principles, allowing policyholders to eliminate market risk with a guaranteed 0% floor & enjoy a capped market gain determined by their policy. This enables them to access tax-free policy loans from their policy. 

Annuities

An annuity furnishes regular payments over a specified period, commonly for retirement. Types include fixed, variable, and indexed. Suitability depends on personal financial goals, risk tolerance, and retirement planning.

Term Life

Term life insurance is a life insurance policy providing financial protection for a specified period. It pays a tax-free death benefit if the insured passes away during the policy term, offering affordable premiums and flexibility.

Long Term Care

Long-term care insurance is a policy that covers the costs associated with extended care services, addressing needs such as nursing care and assistance with daily activities. It helps protect individuals from  the financial burdens related to long-term care.

Medicare

Medicare is a tailored healthcare program for those 65 and older, delivering comprehensive coverage & peace of mind. With a variety of plans to meet diverse needs, Medicare provides accessible and affordable healthcare.

Business Services

Unlock financial success for your business with our "Money Saving Strategies" section. Delve into expert tips, innovative cost-cutting techniques, and tailored solutions to enhance your bottom line. Navigate the path to fiscal efficiency and sustainable growth in your business endeavors.

Self-Insured Medical Reimbursement Plan

The Self-Insured Medical Reimbursement Plan (SIMRP) is a cost-effective solution for California businesses offering supplemental employee benefits. It delivers annual payroll tax savings, up to 30% off workers' compensation premiums, and allows eligible employees to purchase additional benefits, using the savings from participation in the plan, like disability and accident insurance for themselves and their families.

Here is a recommendation about Life Insurance & why he thinks it is important: 
I do not sell life insurance. I am a tax advisor. And as a tax advisor, I can tell you the single biggest benefit in the US Tax Code is the income tax exemption for life insurance. - Ed Slott, CPA
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