About Us

Todd Radwick, DIA, Founder, President

Todd, age 54, comes from a family heritage rich in experience in the life insurance and financial services industry. After serving the public in Washington state as a police officer and deputy sheriff for 6 years, Todd entered the business with New York Life in January of 1995. Consistent with his protective nature and desire to help others, he found it was a natural transition helping others plan for their future financial security. 

Todd has been married to his high school sweetheart for 33 years, and has two adult children. He enjoys hiking, Nordic skiing, snowshoeing and river rafting. He is also an avid hobby chef and enjoys playing electric blues/rock guitar with his hobby band, "T-Rad and the e Flat Drivers," at local and regional venues. Todd also holds a 2nd Degree Black belt in the Korean martial art of Hapkido.


Who are we and what do we do?

We are your "Financial Protector," your "Financial Knight in Shining Armor"

We are all about PROTECTION. We are about providing SAFETY,  peace-of-mind, guarantees, a good night's sleep and financial security in an uncertain world. Life has a way of throwing us curve balls. Has everything in your life always worked out 100% as planned? We're here for those curve balls, to help you, your family, and your business to be more financially secure, whether you live long into your retirement years, die too soon, or get sick or hurt along the way and become unable to work and earn an income. We help people maintain their quality of life and standard of living through things like life insurance, disability income protection plans and retirement strategies to create tax-free income, with all gains and zero downside market risk.

We are here to help those who want our help and guidance. While we may be helpful in showing you areas of need you hadn't considered, we are zero about "selling" you on need. We prefer to work with clients who are ready, willing and able to buy, who simply need ideas, guidance and coaching on the best plans and the way to get there.

If this sounds like you, we look forward to hearing from you. We'll probably be a good fit.

Please note........ it is ESSENTIAL that all decision makers are present in all meetings, phone calls, web conferences etc. This helps to use our time together most efficiently and make sure we are all have the same objectives, clarity and goals. Thank you for your cooperation.

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Give us a call to get acquainted and see if we are a good fit.

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What's Our Unique Selling Position or "USP?"


Safety, Guarantees and Protection


We help our clients to get the best of both worlds when it comes to saving and investing. We broker exclusively with highly respected top insurance and financial institutions that have consistently earned top "A" ratings from   rating companies such as A.M. Best, Standard and Poors, Moody's and Fitch. These companies offer "Indexed Plans" that capture the UPSIDE potential of the stock market when it's doing well -BUT with guaranteed safety and ZERO DOWNSIDE RISK.  In nearly 24 years of doing business, not one client using these plans has lost one single cent, including the down years of 2000, 2001, 2002, and 2008 and 2009. Gains that are earned are "LOCKED-IN" each year so then can be never lost to a market down-turn. If you are looking for safety, security and guarantees, but still want some gains of stock indexes, we're for you. 

Be sure to see our testimonials page! 

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Tax-Free Retirement Planning

Our nation is literally trillions of dollars in debt. How are we going to pay for that? We think it will be from raising taxes in the future. Therefore, we are a huge fan of contributing to plans with after-tax dollars and getting tax-free distributions in retirement. One challenge for some however, a good problem to have - is they make too much money to contribute to Roth IRAs. We specialize in some unique strategies and plans that allow large contributions without the same limits, restrictions and penalties as IRAs, Roth IRAs and 401Ks.

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Disability Income Protection

Sadly, most advisers only focus on investments and life insurance and know very little about income protection. We feel this is a serious mistake. Due to medical technology, your odds of surviving an illness or injury are much higher than dying, so the need for disability insurance over life insurance is huge. If you can't work, and you can't earn an income - it's all over. We pride ourselves on being experts in the disability insurance arena. 

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We are Published

We are a highly respected and known author with our own insurance and financial column in a variety of business journals and other magazines and publications 

We have earned 42 written testimonials

Almost unheard of, see our 42 written testimonials, many of them with several paragraphs, from very happy clients who are willing to back it up with their actual contact info.

Click here to see our testimonials!

Online efficiency and Technology

We do nearly 100% of our business quickly and efficiently right over the telephone and via web conferences and by email and text. All of our insurance and financial partners provide paperless online "e-applications." This saves everyone time in our busy world.