Broker Check

Anticipating the Unexpected

While we all hope that the financial plans we make today run smoothly, sometimes life takes an unexpected turn and we need to be ready with contingency plans. As life evolves, so do opportunities and challenges.





Life Insurance

During the accumulation and pre-retirement stages, resources may be often limited and goals are many. Life Insurance can create a self-completing strategy to provide coverage for priorities like paying off debt and mortgages, college funding, and income replacement.

Disability Income Insurance

Often overlooked, Disability Income Insurance provides replacement income for a portion of earnings. It helps to manage risk if income is lost due to disability during the accumulation or pre-retirement years.

Long-Term Care Insurance

Unlike Disability coverage, Long-Term Care Insurance provides reimbursement for the cost of care as opposed to income replacement. Current policies can be tailored to help meet individual needs utilizing both traditional and asset based strategies.


An annuity is a long-term tax-deferred investment designed for retirement. While annuities can be used in any stage, clients in the retirement and legacy stages may find the income and death benefit options available in annuities especially helpful in pursuing their overall objectives.

Generally, annuity contracts have limitations, exclusions, holding periods, termination provisions, terms for keeping the annuity in force, and fees and charges which can include mortality and expense charges, account fees, sales and surrender charges, investment management fees, administrative fees, and charges for optional benefits.

Variable annuities are sold by prospectus. You should consider the investment objectives, risk, charges, and expenses as well as the underlying investment options carefully before investing. The prospectus, which contains this and other information about the variable annuity, can be obtained from the insurance company issuing the variable annuity or from your financial professional. You should read the prospectus carefully before you invest.