We design value into profit by developing solutions to your problems!

Trust our vision!

Specialization spells success. We specialize in the following areas:

Using Fixed Index and Fixed Annuities to:

  • Help individuals grow and protect their retirement nest egg with the potential for stock market linked interest credits with a Fixed Index Annuity.  NEVER in 44 years has one of our clients’ lost value because of stock market decline!
  • Creation of guaranteed lifetime income for retirement income planning needs.
  • IRA, SEP IRA, Roth IRA, 401(k) and 403(b) rollovers into annuity programs which also provide for safety of principle and lifelong income payments.

Using Life Insurance to:

  • Provide solutions that can solve financial protection needs for families and their heirs.
  • Offering life insurance solutions to help with college funding, family income, mortgage protection and final expenses.
  • Maximizing your life insurance coverage with little or no increase in premiums using the IRS 1035 Exchange provision.

Using Disability Insurance to:

  • Help our clients maintain mortgage payments and other living expenses (utilities, food etc.) when sick or injured providing you tax-free income benefits.
  • Paycheck protection disability plans – providing you income when you cannot work.

Life Insurance

An essential part of continued stability is the comprehensive product portfolio we use; providing performance and flexibility.

Life Insurance

  • Term Life
  • Universal Life
  • Indexed Universal Life


  • IRA
  • 401k Rollovers

The decisions you will make are important and have long term effects.  Our four decades of experience can help you through this process.  We are here to help!