Frequently Asked Questions

There are no consultation or management fees. 

As independent agents, we have access to a network of over 100 A-rated companies, enabling us to offer the best solutions tailored to our clients' needs. 

We are able to provide options in 401(k)/IRA rollovers, indexed universal life insurance, term and whole life insurance, college/Head Start planning, final expenses and much more. We also help business owners with their financial planning.

We meet with individuals, families and businesses to help them make and save money.

Many individuals are not aware that it is good practice to have life insurance policies reviewed due to a life-changing event such as marriage, divorce, a new baby, a new major purchase (house, car) and so forth. As life changes, so does the insurable need for an individual. As for a retirement plan, diversifying your portfolio is the best strategy to provide a financial peace of mind, especially when we specialize in tax-deferred strategies. For more details, let's talk.

First, let's talk about the difference between a pyramid scheme and multi-level marketing (MLM) programs. The former is an illegal practice that recruits new members who rarely sell products/services and pay fees to those who recruited them. According to Investopedia, "... MLMs are legal, legitimate businesses whose distributors earn money from the sale of actual products and from commissions on products sold by distributors that they recruit. However, sometimes, pyramid schemes pose as MLMs to attract people who are likely to want to work with the MLM model." We are independent, non-captive brokers who work with more than 100 A-rated companies (Nationwide, Prudential, Transamerica, etc.) to help our clients financially secure their futures. We do not charge our clients any consultation fees or management fees, nor do we charge our potential business partners fees to be a part of the team.