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Any media logos and/or trademarks used on this website are the property of their respective owners and no endorsement by those owners of the advisor or firm is stated or implied nor are we affiliated with such owners.

We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives. We may receive certain compensation from such entities as the result of transactions resulting from the sale of these insurance products.  

Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.  You should carefully review and evaluate all materials related to such fixed insurance products or any information received from us or the insurance companies and consult your own attorneys and tax advisors on related matters.  

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.  We have not undertaken any efforts to independently verify such information and opinions and we shall conduct no independent investigation, underwriting or verification related to such information and opinion.  Therefore, we will not assume any responsibility for the authenticity, applicability and accuracy of the data and other information in such material.

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This website contains forward-looking statements, which are made under the provisions of the securities law of the United States. Forward-looking statements reflect our current expectations and beliefs about future events. Use of "expect," "intend," "plan," "project," "believe," "estimate," "may," "target," "assume," or other similar expressions are considered forward-looking statements. Because forward-looking statements address events that have not yet occurred, such statements inherently involve risks and uncertainties that could cause our actual results to differ materially from those expressed or implied by forward-looking statements. Such risks and uncertainties include, but are not limited to, macro-political and economic conditions of competition in the United States; volatility of prevailing interest rates and credit spreads; unfavorable factors in real estate and financial markets; the insurance providers' business, investment strategy or underlying assets; the ease of financing; the decline in net profit due to the increase in financing costs; and other natural and man-made disasters that may lead to a decline in a product's performance. Past performance is not necessarily a basis for future performance.

All forward-looking statements reflect only the expectations of a product sponsor's performance and do not represent guarantees of future performance. Clients should not place undue reliance on these forward-looking statements. Forward-looking statements on this website speak only of events or information as of the date of publication or release. Except as required by law, we undertake no obligation to publicly update or revise any forward-looking statement after the date on which the statement is made.