We help you engineer outcomes — not just chase returns. Explore how we design strategies that protect your income, your family, and your future.
Most advisors hope your portfolio lasts. We engineer income you can’t outlive.
Wall Street built an entire industry on sequence-of-returns risk—the gamble that markets cooperate during your withdrawal years. That’s not planning. That’s crossing your fingers with a Monte Carlo simulation.
We eliminate the guesswork. Using structured annuities and lifetime income products, we create guaranteed paychecks that arrive whether the market crashes, sideways trades for a decade, or your advisor retires to Boca. No projections. No probability curves. No “we think you’ll be fine.”
You don’t hope to LIVE retirement. You lock in the income and live it.
Life insurance isn’t about death. It’s about engineering tax-free wealth transfer and liquidity when portfolios can’t.
The industry sold you term insurance and told you to “invest the difference.” That worked great—for your brokerage account and their AUM fees. But when estate taxes hit, when you need liquidity at 75, when long-term care drains assets, that 4% withdrawal strategy becomes a math problem with no solution.
Permanent life insurance isn’t an expense. It’s a tax-advantaged asset class that grows outside your estate, provides tax-free access to capital, and delivers a guaranteed death benefit your heirs receive income-tax-free—no market timing required.
We design protection strategies that do what volatile portfolios can’t: guarantee outcomes regardless of when you die, what markets do, or how legislative risk evolves.
The average long-term care event costs $160,000. Your retirement plan either addresses this, or it’s not a plan.
Most people self-insure by default—meaning they hope it doesn’t happen, or they accept that care costs will liquidate their portfolio at the worst possible time. That’s not strategy. That’s denial with a spreadsheet.
We build LTC strategies that protect three things:
Traditional LTC insurance, hybrid policies, annuities with care riders—we select the structure that fits your specific risk profile. What we don’t do is pretend a 60/40 portfolio is a long-term care plan.
Most advisors ask about your risk tolerance and build a portfolio. We ask what income you need and engineer a system that delivers it—guaranteed.
Here’s the difference: Wall Street’s process starts with asset allocation and hopes the math works out. Ours starts with the life you want to live and reverse-engineers the income required to fund it—with zero dependency on market performance, withdrawal rate studies, or Monte Carlo prayers.
Discovery — We identify your required income, your tax situation, your legacy goals, and the risks conventional planning ignores (sequence-of-returns, legislative changes, healthcare costs, longevity).
Design — We structure guaranteed lifetime income using annuities, permanent life insurance, and tax-advantaged vehicles that neutralize the four retirement killers: taxes, inflation, market volatility, and legislative risk.
Deliver — You get a system, not a projection. Fixed income you can’t outlive. Tax-free liquidity when you need it. Protection that doesn’t evaporate when markets crash or advisors retire.
No rebalancing meetings. No “let’s see how the portfolio performed” calls. Just income that shows up—whether you’re 70, 90, or 105.
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