Services
One trusted agent for the whole picture.
Retirement income, protection for the people who depend on you, and Medicare, handled together by one agent who does all three.
Retirement Income
Turning savings into a paycheck that doesn't stop.
An annuity is a contract with an insurance company. You place money with them. In exchange, they agree to pay you income, starting now or starting on a date you pick.
How it works
You move a portion of your savings into a contract with an insurance carrier. It grows on terms you can see up front. At a date you choose, it converts into payments arriving on a set rhythm, monthly, quarterly, or annually, for a defined term or for the rest of your life, depending on the contract. The trade is access for certainty: you give up flexibility on that portion of your money, and you get income that doesn't move when the market does. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Who it's for
People who have already saved and are now asking a different question. Not "how do I grow this?" but "how do I turn this into something I can live on?" It tends to fit someone within ten years of retirement or already in it, with money sitting in a 401(k), an IRA, or a CD and no plan for converting it into monthly income. It fits someone who has watched a market drop and doesn't want their grocery budget tied to it. It's usually the wrong tool for money you may need as a lump sum soon, or for someone still deep in their earning years with a long runway.
What the first conversation looks like
Jeff asks what you have, where it sits, and what you want it to do. Not to move it, to understand it. When do you want income to start? What else is already coming in: Social Security, a pension, rental income. What's the gap between that and what your life actually costs? Most of the first conversation is arithmetic and questions. If an annuity doesn't close that gap better than what you're already doing, he'll say so. Jeff is a Certified Annuity Advisor held to the NAIC best-interest standard, which means a recommendation has to be made in your interest, documented, and defensible.
Talk to Jeff About AnnuitiesProtection
Making sure the people who depend on you land softly.
Life insurance replaces what leaves when you do, whether that's the income or the work someone else would suddenly have to pay for. Which type you need depends on what you're protecting and for how long.
How it works
You pay a premium. If you die while the policy is in force, the carrier pays a death benefit to the people you named, generally free of income tax. Term coverage runs for a set number of years and costs the least per dollar of protection, and it's built to cover a window, like the years left on a mortgage or until the youngest finishes school. Permanent coverage stays in force for life and builds cash value inside it. Whole life grows on a fixed schedule. Indexed universal life credits interest tied to a market index with a floor and a ceiling, and policy costs come out of the value each year, so an illustration is a projection and not a promise. Final expense is small permanent coverage aimed at the bill that lands within two weeks of a funeral.
Who it's for
Anyone whose household would have to change how it lives if their income stopped. A mortgage one salary can't carry alone. Kids far enough from independent that someone would have to cover the distance. A spouse whose retirement math assumes both of you. A parent who has watched a family put a funeral on a credit card and decided their kids won't. It also fits people who already have coverage through work and have never checked what it actually pays, or whether it follows them out the door when they leave the job.
What the first conversation looks like
One question first: if your income stopped on Tuesday, what breaks, and how fast? Then the arithmetic. What's owed, what's coming, how many years until the people behind you are standing on their own. Jeff asks about your health and any coverage you already carry, because both change what's available and what it costs. You'll leave knowing the number you actually need, whether or not you buy anything.
Get a Policy ReviewMedicare
Sorting Medicare out before it sorts you out.
Medicare runs on deadlines and forks in the road. Miss a window and the penalty can follow you for life. Jeff walks the map with you in plain English.
How it works
Part A covers hospital stays. Part B covers doctors and outpatient care. Those two are the government's, and together they're called Original Medicare. They leave gaps, and they have no cap on what you can end up paying out of pocket. From there the road forks. You either stay with Original Medicare and consider a supplement to cover the gaps plus a separate drug plan, or you take a Medicare Advantage plan that delivers your Part A and Part B through a private carrier's network. Both roads are legitimate. Which one fits depends on your doctors, your prescriptions, and how much unpredictability you can live with.
Who it's for
People approaching 65 who are about to hit their Initial Enrollment Period and don't want to guess. People retiring after 65 and stepping off employer coverage, where the timing rules are different and easy to get wrong. And people already on Medicare whose situation changed, a new diagnosis, a new prescription, a doctor who left the network, or a move to a new county.
What the first conversation looks like
Jeff asks which doctors you want to keep, what prescriptions you take and at what dose, whether you travel or spend part of the year elsewhere, and what your budget can absorb in a bad year. Medicare calls are recorded in their entirety, and the required disclaimer is read to you, because CMS says so. Before any individual Medicare appointment, a Scope of Appointment documents what you agreed to discuss. You sign it, and it holds the conversation to that. Nothing gets enrolled in a first conversation. The first conversation is for understanding the map.
Talk to Jeff About MedicareNot sure where you fit?
Take the 2-minute fit-finder. It's educational, free, and there is nothing to buy.
Take the 2-Minute Fit-Finder