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.
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.
Give us a call to get acquainted and see if we are a good fit.
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!
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.
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.
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
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.
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.
While we could be set up to charge fees, like some of our peers and associates in this industry - we have chosen not to at this time. If we were to charge a "Financial Advisory Fee," it would be around $300 - 500 per hour, depending on the case.
Instead of charging a fee, we have negotiated contracts with a wide variety of top A rated insurance and annuity carriers, and are compensated directly from these carriers from their general accounts when we submit an application for life or disability insurance or some form of retirement plan, such as an annuity.
Therefore, if we mutually decide that it's time to implement a plan, to put things into action, and a disability income protection plan, or life insurance policy or retirement plan or annuity is appropriate and needed, it is agreed this business will be placed with us at Radwick Financial Group LLC. That means on any corresponding applications, our name and rep number must be listed as the writing producer or agent. We thank you for your understanding and cooperation.
Although we do not charge a fee for our time to do the work and planning and research necessary to help clients with their planning, our time is very valuable and we are careful how we spend it. We therefore, do have some expectations and requirements from potential clients and won't commence with any actual planning unless we have a mutual agreement and understanding of the following.......
#1 for working with us is communication. It's just like having a good marriage! IF at any point, your financial situation or needs have changed, or you have decided you can no longer move forward, let us know immediately so we can move on to other people who need our help. Additionally, clients must agree to return all phone calls and emails promptly, ASAP. We do not have the time, energy or resources to leave endless messages or send emails or texts. We will return the professional courtesy and favor.
Additionally, we require that all decision makers are present in all fact-finding, planning, and implementation meetings. This makes the best use of everyone's time, and insures we are all on the same page.
Note, we are licensed in multiple states, and do nearly 100% of our work via phone and web conference, You will simply need your phone, internet and a reliable computer.
If you already have a very trusted insurance or financial adviser, versed in the areas in which we work, i.e., disability income protection, life insurance, or retirement planning, and this relationship is iron clad and engraved in stone - we are not a good fit and we need to know this right up front so we can part ways. While we do put a tremendous amount of energy into educating our clients and helping them with the whole planning process, we are not doing this for "free," without expectation of ultimately doing business; we do not make exercises in futility.
Sadly, many insurance and financial advisers and even fee based financial planners do a terrible job of risk management, and skip or glaze over the risk protection portion of planning, and move right into investing and retirement planning. This happens with life insurance, but is particularly the case, when it comes to protecting your income with adequate disability insurance. We feel this is a travesty and inexcusable because your income and your ability to work and earn it, is your single greatest most critically important asset. Your income is the foundation, the engine that pays for everything else. Without it, nothing gets paid or funded -including your retirement plan; everything just stops. Therefore, where clients are still working and require their earned income for current and future expenses, we require that EVERYONE, all potential clients, go through a full life and disability insurance risk assessment analysis first, before proceeding into any retirement, savings, or investment strategies.
Again, we thank you for your understanding and cooperation and look forward to partnering with you in the planning of your future financial security.