For advisors
An insurance and annuity specialist who stays in their lane.
When a client’s plan calls for advanced insurance or annuity capability, we work as the specialist alongside their CPA, attorney, and investment advisor — to your engagement terms, and without disturbing the relationships you hold.
Who we work with
The professionals around a client’s planning
Tax and estate attorneys. CPAs and tax advisors. Registered investment advisors and financial planners. Business-valuation professionals. Family offices and multi-family offices. Trustees and trust companies who need an independent policy review.
How we work with you
The collaboration rules
Your engagement terms
We work within the scope you define — advisory, quarterback, or behind-the-scenes analysis — and we confirm it in writing before we start.
A file that fits yours
Every engagement produces a memo written to be read by another professional and dropped into your working file: assumptions, analysis, recommendation, alternatives considered.
We don’t cross-sell
We do not provide tax, legal, or investment-management services and will not solicit your client for them. Your relationship stays yours.
We report back
You hear what we recommended and why, what the client decided, and what remains open — without having to ask.
Where we help most
Common situations where we help
A buy-sell that needs funding
You’ve drafted or reviewed the agreement; we quantify and place the coverage that stands behind it.
An ILIT nobody has reviewed
The trust owns a policy that has not been examined since delivery. We provide the in-force analysis and the documentation the trustee needs.
A retirement-income gap
A client’s plan is short on guaranteed income; we model where an annuity fits — or doesn’t — alongside the portfolio you manage.
An executive package to design
NQDC, SERP, or split-dollar — modeled for the company and the executive, with plan documents coordinated with your drafting.
A declined or rated application
A client was declined elsewhere. We take difficult medical and financial histories to the market through informal underwriting inquiry.
A second opinion
Your client was presented a proposal by another agent and wants an independent read before they act.