Individuals and Family Members

For the individual person and their family members, we assist in helping develop financial strategies to generate revenue, protect their wealth, and secure their futures.


We show individuals how to fill the gap in their retirement plans and have access to and control over their cash accumulation. We will guide you to some of the best ways to create, grow and protect your wealth to  have additional tax free income for life. 

College Funding


College costs are on the rise. According to the College Board, earning a college degree can now cost anywhere from $52,000 to $130,000. The cost of college tuition is rising faster than the rate of inflation! There are many ways of funding a college education.


Even when grants, scholarships and other funding options are available, many people still find a gap between the available funds and the cost of college. It’s never too early to plan for your child or grandchild’s college. Let us help you with optional college funding strategies.

Short-Term Disability


Your paycheck helps you maintain your current way of life. If you find yourself unable to work, short-term disability insurance will provide cash to help ease the financial stress of a covered illness or injury.


This insurance pays benefits (i.e., a monthly amount that is a percentage of your gross income) for a period of time while you are disabled. We will help you select the right amount of short-term disability insurance benefits for your needs, as well as the length of time they are payable. Group rates are usually less than individual policy rates. The cost of this coverage may be paid for by the employer, you as the employee, or on a shared basis.

Legacy Planning


When approaching retirement, it’s common to start thinking about what you’ll leave behind. Leaving a legacy for children and/or grandchildren, takes careful planning and advice.  Unfortunately, only 56% of American retirees plan to leave an inheritance for their children.


Most believe they won’t have any money to leave their kids after they make it through retirement. But by following a retirement investing plan that works, you can leave a legacy of responsibility as well as a financial legacy that can affect your family and community for generations to come.

Accident and Critical Illness Plans


If you have ever been out of work because of an illness or accident, you know there are two things that are increasingly hard to come by: peace of mind and cash.


If you're sick or injured, the costs can really start to pile up. Our critical illness insurance can help with the treatment costs of life-changing illnesses and health events so you can stay focused on recuperation. Critical illness insurance pays you cash for those costs not covered by your major medical insurance.



Today, we’re living an average of 10 years longer than we did in 1950. That’s 120 additional monthly paychecks you’ll be paying yourself in retirement. You may need retirement income that can last into your 80s, 90s, maybe even 100s.


An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. With an annuity, a lump sum of cash invested to produce a monthly stream of income for a fixed period or for life. The income can start now (immediate annuity) or in the future (deferred annuity). People typically buy annuities to help manage their income in retirement.

Annuities provide three things:


  1. Periodic payments for a specific amount of time. This may be for the rest of your life, or the life of your spouse or another person.

  2. Death benefits. If you die before you start receiving payments, the person you name as your beneficiary receives a specific payment.

  3. Tax-deferred growth. You pay no taxes on the income and investment gains from your annuity until you withdraw the money.