Independent insurance analysis for business owners, high earners, and retirees.
Buy-sell funding, key-person protection, SBA-required coverage, and estate liquidity for business owners — plus income protection, tax-efficient accumulation, and retirement and legacy planning for physicians, equity-compensated professionals, and retirees. No quotas, no captive products, no pressure — just rigorous analysis.
Our job is to tell you what you need, what you don't, and why — even when that means recommending less coverage than you expected.
Which of these describes you? Start there — each profile shows how we help and where to begin.
Not sure which fits? Talk it through. A first conversation is exploratory, regardless of category.
A structured process. No pressure, no shortcuts.
High-trust planning is not a single meeting. It is a sequence — discover, analyze, design, coordinate, implement, review — applied with discipline. And honestly sorted: simple needs get a fast path, and we will tell you in the first conversation which path yours is.
Discovery
Understanding your situation, goals, and existing advisors before any product is discussed.
Analysis
Modeling your specific situation. Where does insurance genuinely add value, and where would it not?
Strategy Design
Building the recommendation. Multiple carrier options compared on their merits, not on commission.
Coordination
Working with your CPA, attorney, and fiduciary advisor to ensure the plan integrates with your broader strategy.
Implementation
Underwriting, application, and policy delivery — documented thoroughly, executed without pressure.
Ongoing Review
Annual review of the plan as your circumstances evolve. The strategy is not static.
Schedule a strategy consultation.
A first conversation is exploratory. We will discuss your situation, what kind of planning you're considering, and whether our practice is the right fit. Based in South Florida, we meet by video — or at your office — and serve clients across the state. No obligation, no pressure. Already holding a pitch or a policy you’re unsure about? Start with a second opinion.