Annuities are an investment vehicle that can offer significant benefits.

  • Protection against market losses
  • Tax-deferred growth
  • Unlike other tax-deferred retirement accounts like a 401k or IRA, annuities do not have a contribution limit.
  • Can offer a guaranteed income stream for a period of years or a lifetime.

Life Insurance

 Life Insurance can be an excellent tool and foundation to a solid financial plan.

  • Family Protection
  • Business Protection
  • Cash Value
  • Charitable Contributions
  • Supplemental Income
  • College Funding
  • Long Term Care Funding

There are many options to ensure the coverage you have meets your current and future needs.

The type of coverage, underwriting, cost and policy design are all critical considerations in determining the best option for each person. 

Disability Income Protection


The inability to work and bring in an income can be financially devastating to ourselves, our families or our business.  1 in 4 people are likely to have a long term disability.  

Have you thought about the "What happens if?"  Some of the top common causes of disability:   

  • Arthritis
  • Heart Disease
  • Cancer
  • Mental Health Problems
  • Diabetes
  • Nervous System Disorders
  • Accidents
  • Strokes 
  • Back Problems