INSURANCE & FINANCIAL SERVICES
Six lines of business. One philosophy.
What a thing it is to sit across from a friend and give them the best advice possible. That is what this practice is. Independent, non-captive, and on your side.
Since 2019. Lee's Summit, MO. Kansas City metro.
THE LINES
ONE
Medicare
Independent practice. Around 250 clients, ~95% retention. Carriers include Humana, Devoted, Aetna, UnitedHealthcare for Advantage; Blue Cross Blue Shield of Kansas City for supplements. Annual review built in.
Medicare →
TWO
Life insurance & living benefits
Living-benefits-first life insurance through National Life Group. Coverage that pays the family if you die early; coverage that pays you if you can't work; coverage that builds tax-advantaged retirement savings while it sits.
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THREE
Tax-free retirement strategies
Indexed Universal Life and annuity strategies for the safe-money portion of your portfolio (35–40%). Designed to grow tax-deferred and distribute tax-free. Not for everyone; we walk through the suitability question first.
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FOUR
Small-group benefits
Group health, dental, vision for 5–50 employee businesses. Through Emerson Rogers (general agency). UnitedHealthcare, Aetna, Cigna. Level-funded plans where they fit.
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FIVE
Business protection
Key-person, buy-sell, disability, long-term care. The coverage that keeps the business surviving when something goes wrong with one of the principals.
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SIX
Safe-money portfolio solutions
The 35–40% of your portfolio that needs to be there when the markets aren't. Living-benefit products, fixed indexed annuities, structured solutions. Educational first; product recommendation only when the suitability fits.
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CARRIERS
Medicare Advantage: Humana, Devoted, Aetna, UnitedHealthcare. Medicare supplements: Blue Cross Blue Shield of Kansas City. Life and living benefits: National Life Group (primary), through Five Rings Financial. Small-group: UnitedHealthcare, Aetna, Cigna, through Emerson Rogers.
Independent. Non-captive. The recommendation is the right product for your family, not the parent company's.
Already know the line you want? Read more about Medicare, or join the next free Financial Foundations seminar to talk through the safe-money question with no product pitch in the room.
READY TO TALK
Let's sit down.
Fifteen minutes. You talk, I listen. No pitch. If we're a fit, we book a real review and figure out the next right step together.