Built on the ERFT Method
Six ways to eliminate risk, reduce fees, and minimize taxes, built around insurance-based retirement and wealth protection strategies.
Six ways to protect what you've built
Each service stands on its own. Most clients combine two or three, depending on where they are in life.
Retirement Income Planning
A plan for turning savings into a paycheck that lasts as long as you do, structured around the income you'll actually need, not just the balance on a statement.
- Guaranteed lifetime income options
- Social Security timing strategy
- Withdrawal sequencing to help reduce tax drag
Financial Planning
A full view of where you stand today, and the moves, in order, that get you to where you want to be. Every plan starts here.
- Complete net worth & cash flow review
- Goal-based roadmap with clear milestones
- Ongoing adjustments as life changes
Financial Protection Planning
Coverage built around the risks that could undo everything else: disability, illness, a career-ending event, or an early death, so one event doesn't unravel the whole plan.
- Disability & career-ending injury income protection
- Life insurance needs analysis
- Key-person coverage for business owners
Legacy Planning
Structuring what you leave behind, personally or as part of a business, so it reaches the people you intend, with less delay and less lost to taxes along the way.
- Beneficiary & account titling review
- Tax-efficient wealth transfer strategies
- Business succession & estate coordination with your attorney
Wealth Preservation Strategies
Insurance-based tools that protect principal from market downturns while still allowing for growth, trading unlimited upside for a floor that doesn't drop.
- Principal-protected growth vehicles
- Downside-protected market participation
- Fee & risk audit of current holdings
Insurance Consulting
An independent read on the policies you already own: what they're actually doing, what they're costing you, and whether they still fit your goals.
- Independent policy review
- Cost & performance analysis
- Coverage gap identification
Before you book a call
No. Some clients come in with existing policies that need a second look, and others are starting from scratch. Either way, the first step is the same: a conversation about where you stand today.
Yes. The first strategy call is no-cost and no-obligation. It's a chance to understand your situation and see whether there's a fit before anything moves forward.
Insurance-based strategies are built around protecting principal, not maximizing upside. They typically trade some growth potential for downside protection: a different tool for a different job than direct market investing.
Yes. Business owners often need additional layers: key-person protection, succession, and business-owned policies. Pro athletes typically need planning built around concentrated, front-loaded income and career-ending risk. Both fit within the ERFT method.
Find the Right Service For Your Plan
Not sure which service fits your situation? A strategy call is the fastest way to find out. No cost, no obligation.
Schedule a CallThis website is for educational purposes and does not constitute tax, legal, or investment advice. Insurance products are issued by third-party insurance companies; any guarantees are subject to the financial strength and claims-paying ability of the issuing carrier. Please consult a qualified tax or legal professional regarding your specific situation before making decisions.