We Invite You to Work with Us

Products

Life insurance
Disability insurance
Long-term care insurance
Annuities

Capabilities

Policy review and evaluation
Estate liquidity strategies
Tax-efficient wealth transfer strategies
Tax minimization strategies
Retirement income planning
Key person insurance
Buy-sell plan funding strategies
Supplementary executive benefits 
And other sophisticated strategies

Carriers

MassMutual
Penn Mutual
Prudential
Lincoln
Principal
John Hancock
New York Life
Mutual of Omaha
And other reputable carriers

Invitation to Fee-Only Advisors

OUR REPUTATION PRECEDES US (SO WE'RE TOLD)
Apparently, we have a reputation among fee-only advisors. We often find ourselves being asked to objectively evaluate their clients' life insurance needs and product options. We keep a low profile and don't actively market ourselves, but somehow they find us. 
DO YOU LIKE PUSHY INSURANCE SALESPEOPLE? NEITHER DO WE
Like you, we are independent and unbiased, and always do what's in the best interests of our clients. We call this fiduciary mindset. (Don't laugh. You used to be called stockbrokers.) This enables us to work alongside your firm seamlessly as an integral part of your team in full alignment with values you espouse as a fiduciary advisor. ​
WE KNOW OUR STUFF
Properly designed insurance can help protect your clients' lifestyle in tax-efficient and cost-effective ways. But sensible insurance planning involves knowledge of the science behind insurance. It's not rocket science, but it is a science – like risk analysis, carrier due diligence, product selection, policy design, underwriting, knowledge of the tax code, and so on – and it requires considerable expertise and experience. We can help you navigate through the process and select carriers and products that best fit your clients' specific needs.
WE'RE NIMBLE, PERSONAL AND RESPONSIVE
By design, we built a boutique firm, so we can remain nimble, personal, and responsive. Our Principals are readily accessible to you. We take time to discuss your clients' issues and answer your questions in everyday language. You or your clients will never feel hurried or obligated in any way. 
WE HAVE A ROBUST PLATFORM
We may be a boutique firm, but we have a robust platform. For starters, we have access to virtually all carriers and products. You can also tap our knowledge and experience for most complex issues and/or difficult-to-place cases. And we're proactive and smart adopters of technology which helps us minimize friction for you and your clients. 

We invite you to work with us.

Respectfully,