Todd Radwick, DIA, Principal

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• Financial Needs Analysis
• Business Overhead Expense Insurance
• Disability Income Protection
• Life Insurance
• Tax-Free Retirement Planning
• Guaranteed Life Income Retirement Planning (Personal Pension)

With all the choices out there, If I were in your shoes, I'd want to know this as well. Here is a list of differentiators to consider. Frankly, I'd suggest using this as your "Gold Standard" benchmark when comparing any insurance or financial advisors:

• I'm a veteran in this profession - it's not my first rodeo. I've been at this full-time for over 30 years. I am an EXPERT.
• I'm a specialist - not a generalist. I don't think you can be "all things" to all people and be good at it. PIck a lane. I know my lane. 
• I'm all about GUARANTEES, SAFETY AND PEACE-OF-MIND and a great nights sleep - not risk, speculation, gambling and pie-in-the-sky. If you are also looking for these things, we'll probably be a good fit.
• I have over 65 client testimonials, all backed up with full contact information. Some of these even put it in writing they have never lost a cent, including major downturns like 2008 when the S&P 500 lost -38.49%. How many other advisors can say THAT? These testimonials PROVE I put my clients' needs first. 
• I'm a published author for several publications and have written numerous educational articles. In a word - "CREDIBILITY."

If you die of cancer - do you die first or get sick first? "SICK," right? Then why do some people have life insurance, but NO disability insurance, nothing in place to protect their earned income or business? Doesn't it make sense to insure for things in the order they happen? I've SEEN first-hand the unbelievable POWER of disability insurance when one of my top clients suffered with stage 4 Non-Hodgkin's Lymphoma and he literally struggled to function. His Business Overhead Expense Insurance reimbursed his business expenses keeping his medical practice intact. I also protected his paycheck each month so he and his family could stay in the world they were used to. He was even able to take his entire family on vacation to Hawaii like he's always done. He told me he were it not for his disability insurance - he absolutely would have had to cancel it.

Because I LOVE my wife more than anything in this world and I always want her to be 100% financially secure no matter what, whether I'm here or not. Life insurance provides me a way to GUARANTEE my wife will always be 100% financially secure and so I can give her a "LOVE LETTER FOR LIFE," in the form of a guaranteed life income annuity, a check each month for the rest of her life. It has been said "Life Insurance is the sincerest love letter ever written." When it comes to peace-of-mind and taking care of those you love, NOTHING comes close to life insurance. I love sharing this passion with others who feel the same way.

As a self-employed business owner and professional myself, I can relate. We take enough RISK in our business or practice as it is. Why add more on purpose when you don't have to? I find it extremely refreshing and satisfying to show my clients a BETTER WAY. One that is about peace-of-mind, security and guarantees without excessive risk in the stock market or other risky investments. It's nice to look clients in the eye and say what you mean and mean what you say. 

• I can use Annuities to create guaranteed lifetime income, a paycheck for life, no matter how long they live. It's like having a personal pension. 
• I can use life insurance to do the same thing for a widow or widower.
• I can use tax-deductible disability insurance to reimburse my client's business expenses and keep tax-free paychecks rolling in, preserving their dignity and self-respect during a serious injury or illness. 
• Lastly, I can show my clients how to capture a healthy upside of a stock index like the S&P 500, but with guaranteed ZERO downside market losses, while locking-in their gains each year so they can never be lost.

While I could certainly charge high hourly rates for planning services based on my 30+ years of experience - I choose not to be fee-based. Instead, I am compensated directly by the various insurance companies I broker with. You will never see a "planning fee" from me listed as a line item expense. I also get compensated by receiving sincere testimonials from happy clients and personal introductions to others and find it very satisfying KNOWING someone is 1,000X more financially secure because of what I put in place.