Independent insurance analysis for business owners — and the professionals behind them.
Buy-sell funding, key-person protection, SBA-required coverage, estate liquidity — and the personal planning that surrounds them for physicians, executives, and technology professionals. No quotas, no captive products, no pressure — just rigorous analysis. The practice was built by a former software engineer with a background in regulated-industry systems, where every decision had to be documented and defensible. The same discipline applies here.
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.
A focused practice for business owners and high earners with structured planning needs.
We work with established professionals — people whose situations have outgrown generic financial advice. Each engagement is consultative, multi-meeting, and built around understanding before recommending.
Business Owners
Buy-sell agreements and their funding, key-person exposure, SBA-required coverage, and succession — where business and personal planning are the same conversation.
Physicians
High-income medical professionals navigating practice ownership, disability protection at appropriate income levels, and long-horizon accumulation.
Executives
Senior leaders with equity compensation, deferred comp plans, and the need to coordinate insurance with broader tax and estate strategy.
Technology Professionals
Senior engineers, product leaders, and founders with concentrated equity positions and a need for analytical decision-making, not marketing.
Where we focus.
These are the planning areas where insurance counsel matters — alongside the work of your CPA, fiduciary advisor, and attorney. Insurance is one tool among several. We treat it that way.
Business Continuation Planning
Key-person, buy-sell funding, and business succession through insurance structures. Coordinated with the business attorney and CPA.
02Retirement Tax Diversification
After-tax accumulation strategies for high earners whose retirement accounts are already maxed. Considering the trade-offs across taxable, tax-deferred, and tax-advantaged options.
03Insurance Planning
Life, disability, and long-term care positioned correctly within a broader plan. Suitability assessed first; product selection follows.
04Legacy & Estate Strategies
The insurance role in legacy and estate planning, coordinated with the client's estate attorney. We don't replace estate counsel — we work alongside it.
05Executive Financial Planning
Insurance and risk planning for executives with equity compensation, deferred comp, and concentrated employer exposure.
Self-assessment tools for thinking through your situation.
Substantive interactive tools — not lead-capture forms. Each tool gives you a real number or a real assessment based on what you enter. No email required, no follow-up unless you request it.
Buy-Sell Funding Calculator
For co-owned businesses: size the coverage a buy-sell agreement actually needs, by structure.
Key-Person Needs
Estimate the financial exposure your business carries on the people it can least afford to lose.
Life Insurance Needs
Estimate the coverage amount that matches your income, debt, and dependent situation.
Is IUL Right for Me?
A self-assessment for high earners considering indexed universal life. Honest evaluation, not a sales pitch.
Is an Annuity Right for Me?
A self-assessment for high earners weighing an annuity for retirement income. Honest evaluation, not a sales pitch.
Disability Income Gap
For high earners: the gap between group LTD and what real income protection actually requires.
LTC Cost Estimator
Estimate the potential cost of long-term care based on age, location, and care preferences.
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.