Flagship
Term with Living Benefits
Affordable period-specific protection that doubles as a safety net for serious illness — critical, chronic, or terminal.
Carrier: Transamerica
Solutions
Built for every stage of your family's story.
We are a Family Wealth Strategy Firm. Our Family Wealth Strategists solve four core problems for the families we serve — each paired with the right product blueprint and a coaching relationship that lasts.
01 — Family Protection
Coverage that holds the line if something happens to you.
Life insurance protects your family from financial catastrophe if you can no longer earn. We start most families here.
Often Combined With
Whole Life · Disability Income · Final Expense
Companion products for permanent coverage, income replacement during illness, and burial coverage.
Read more: What insurance actually does·The DIME method
02 — Generational Wealth
Building wealth that transfers across generations.
Building wealth is one thing. Transferring it intact to the next generation is another. The right tools build tax-advantaged accumulation now and pass it on later.
Flagship
Indexed Universal Life
Permanent coverage with cash value that can grow based on market index performance with downside protection.
Carrier: Transamerica
Often Combined With
Whole Life · Trust Funding · ILIT Coordination
Coordinated with estate attorneys for trust funding, beneficiary structures, and inheritance planning.
Read more: Revocable vs irrevocable trusts·Beneficiary designations
03 — Retirement Strategy
Income certainty for the decades after work.
Retirement is a sequence of decisions — when to claim Social Security, which accounts to draw from, how to make savings last as long as you do.
Flagship
Fixed Indexed Annuity
Retirement income with market participation and principal protection. Guaranteed lifetime income paths so families don't outlive their savings.
Carrier: Transamerica
Often Combined With
IUL Income Strategies · Social Security Planning
IUL cash value via policy loans paired with strategic Social Security claiming.
Read more: The three buckets of retirement income·Social Security timing
04 — Business Continuity
Protecting the business you built.
Business owners face risks personal insurance doesn't address — losing a key person, an unplanned ownership transition, an exit that needs funding.
Core Solutions
Key-Person Insurance · Buy-Sell Funding
Term and permanent policies that protect the business from losing a critical person and fund ownership transitions.
Advanced Strategies
Premium Financing · Succession Planning
Multi-year succession plans coordinated with tax and legal strategists. Premium financing for large policies.
Our Carrier Relationships
transamericanationwidepacific lifeglobal atlanticathene
We are independent. We work with multiple carriers. View full disclosures
Not sure where to start?
Every family's blueprint is different. Let's walk through yours.