401(k) / IRA Rollovers
A clear review of what happens to retirement funds when you change jobs or accounts.
- Rollover methods and deadlines
- Tax treatment of the move
- Fees and investment options at the receiving institution
Our Services
Insurance & Financial Services
One independent agency for protecting your income, your family, your business, and your future. Every conversation starts with your situation, not a product.
Life Insurance
Coverage options designed to help provide for the people who depend on you.
- Coverage amount and term length
- Underwriting and health questions
- Beneficiary designations and policy terms
Long-Term Care
Planning conversations about care needs later in life and how they may be funded.
- Types of care covered
- Waiting periods and benefit limits
- Current health and family history
College Planning
Structured saving conversations for future education expenses.
- Time until enrollment
- Contribution schedule and flexibility
- Financial aid and tax considerations
Indexed Universal Life (IUL)
An overview of how IUL policies work, including their features and tradeoffs.
- Caps, participation rates, and floors
- Policy fees and cost of insurance
- Long-term performance assumptions
Fixed Indexed Annuities
A clear review of annuity features, time horizons, and tradeoffs.
- Time horizon and liquidity
- Surrender periods and fees
- Carrier strength and contract terms
Executive Bonus Plans
How business owners may reward key employees using structured bonus arrangements.
- Which employees are included
- Tax and documentation requirements
- Coordination with a tax professional
Personal & Business Coverage
Protection reviews for individuals, families, and business owners.
- Current policies and limits
- Household and business exposures
- Carrier terms and availability
Wills & Living Trusts
Help organizing your wishes, assets, and next steps.
- Beneficiary designations
- Decision-making authority
- Coordination with qualified legal counsel
Mortgage Protection Insurance
Coverage options that may help a household keep up with mortgage payments.
- Coverage amount and term
- What events the policy covers
- Existing life and disability coverage
Not sure where to start?
Tell us what you want to protect or plan for, and we will point you to the right conversation.