Insurance Approach

As an independent insurance agency, we seek to offer our clients the most protection for the least amount of cost while protecting them from critical financial risks in retirement. We do not charge separate (or additional fees) for these products. Since we get paid directly from the underlying insurance carriers, we do not charge any fees or commissions to our clients for any insurance product recommendations.


A series of guaranteed payments at equal intervals.


A lump-sum payment to beneficiaries upon the insured’s death.

Long Term Care

Covers the cost of medical care for chronic medical condition, a disability or a disorder.

Long Term Disability

Protects an employee from loss of income due to illness, injury, or accident.