Protect what you’ve built. Keep it in the family.
Life insurance, estate planning, and tax planning, coordinated in one plan. We help families and business owners cover today’s risks and pass on more of what they’ve worked for.
What we do
Three parts of one plan
Insurance, estate, and tax decisions affect each other. We look at them together so nothing works against the rest.
Life insurance
Coverage that fits your income, your family, and your timeline.
- Term life for working years
- Permanent and convertible policies
- Business owner and key-person coverage
- Review of existing policies
Estate planning
Make sure the right people receive what you intend, with less delay.
- Beneficiary reviews and updates
- Legacy and wealth-transfer strategies
- Coordination with your estate attorney
- Funding a trust with life insurance
Tax planning
Plan ahead so you keep more each year and in the years to come.
- Year-round tax planning
- Retirement and income strategies
- Tax-aware insurance and legacy planning
- Planning for self-employed owners
The whole picture
What is holistic planning?
Most people handle insurance, taxes, and estate questions one at a time. We look at them together. When your life changes, through a new child, a business, or retirement, we help you adjust the plan so every part still works toward the same goals.
Where do you stand?
Take a quick planning checkup
Check what you already have in place. If a few are missing or you’re not sure, that’s a good place for us to start.
0 of 0 in place
Check what you already have. We’ll show where a plan could start.
How we work
A clear process, start to finish
- Conversation
We learn about your family, your business, and your goals. No cost and no pressure.
- Review
We look at your current coverage, beneficiaries, and recent tax returns.
- Plan
We recommend coverage and strategies in plain language, with the costs spelled out.
- Annual check-in
We review the plan each year as your life, income, and tax rules change.
Who we serve
We work alongside your other professionals
We don’t replace your financial advisor or attorney. We work with them, so your insurance, estate, and tax decisions fit together.
- Young familiesIncome protection and guardianship-ready planning
- Business ownersKey-person coverage, buy-sell funding, and tax planning
- Pre-retireesIncome, tax, and legacy decisions made together
- Clients with an advisor or attorneyWe coordinate directly with your team
Questions
Common questions
What does “Term 2 Keep” mean?
Many people start with term life insurance because it is affordable during their working years. Some term policies can later be converted to permanent coverage you keep for life. We help you plan for both stages.
Do you write wills or trusts?
No. We are not a law firm. We help you plan what you want to happen and work with your estate attorney, who prepares the legal documents.
Do I need to change my financial advisor?
No. We work alongside your current advisor and share information with your permission.
What does the first call cost?
Nothing. The first conversation is free, and you’ll leave with a clear picture of where you stand.
Get in touch
Let’s start with a conversation
Email us with a good time to talk, and we’ll reply within one business day.
We work with clients by phone and video, wherever you are.