Who We Are - What We Do
Experts in small business owners and professionals
We specialize in creating GUARANTEED INCOME in three critical stages of life.
- RETIREMENT, paychecks and playchecks you cannot outlive
- DISABILITY, if you become too sick or hurt to work and earn a living
- PREMATURE DEATH, financial security and quality of life for your loved ones
Let us help you create a GUARANTEED PAYCHECK FOR LIFE!
Call us Today 509-996-3425
Disability Insurance
Your earned income IS your greatest asset! Without it...... nothing else matters!
If you got sick or hurt and couldn't work to make a living, how long could you make it on your savings before running out of money?
Disability Insurance or "DI" is PAYCHECK PROTECTION. It can cover your personal living expenses such as the mortgage or rent, car payments, utilities and groceries and even funding your retirement.
Life Insurance
We can help you to protect your family and loved ones and pass on your wealth in the most tax-efficient way possible.
Brokering with the best top A+ rated life insurance companies in the industry for the most competitive rates, we can also help you to research and shop for the policy that make the most sense for you.
- Term Life - 10, 15, 20, 30
- Whole Life
- Universal Life
- Indexed Universal Life
Is there anything else in the world more important than protecting the ones you LOVE?
Annuities
We're experts in creating TAX-FREE retirement income, guaranteed life income similar to a pension and capturing the upsides of the market with guaranteed zero downside losses.
Why gamble with your hard-earned money and leave it to chance when you don't have to?
- Tax-Free Retirement Planning
- Roth IRAs
- 401K Rollovers
- Fixed Indexed Annuities
- LIRPs (Life Insurance Retirement Plan)
- Guaranteed ZERO Market Loss
- All UPSIDE - No DOWNSIDE
- Guaranteed Life Income
- Stand-Alone (Non-Qualified)
Business Overhead Expense Protection
DISABILITY EXPENSE REIMBURSEMENT
If you run a business or practice - how will you cover your overhead expenses if you become totally disabled?
BOE reimburses routine business expenses such as payroll, utilities, malpractice insurance, a mortgage or the office lease.
In additon, with a "Business Loan Repayment Rider" (BLRR) We can also cover your BUSINESS OR MEDICAL PRACTICE COMMERCIAL LOAN PAYMENTS to keep your practice open and operating.
Premiums are even TAX-DEDUCTIBLE!
Business Planning Strategies & Benefits
CUSTOMIZED BONUS PLANNING (CBP)
Unlike standard group benefits, where everyone must be included regardless of merit - with CBP, you can pick and choose who gets what, givng you more control to reward based on merit and loyalty to you and your company.
BUY/SELL LIFE AND DISABILITY INSURANCE
A well-written and drafted partnership agreement that is funded with the right amount of life and disability insurance can provide the immediate liquid cash needed for a smooth transition.
KEY PERSON INSURANCE
Covers your business or practice when one of your best top employees either dies or become disabled. It can also provide extra incentives and rewards to attract and retain top talent.
In the News - Our Published Articles
Todd Radwick writes regularly as a Financial Columnist in a variey of magazines, business journals and publications.
Here you can find links to numerous articles to help educate you as you plan for your future financial security for you, your family and your business.