We can make a great team!

You do TAXES and cash flow analysis. I do not. You work on helping your clients to build their small businesses or practices and accumulate wealth. I help them to KEEP what you have worked so hard to build through the wise appropriate use and placement of powerful financial solutions like disability inome protection (DI), Business Overhead Expense Protection (BOE) and tax-advantaged retirement planning solutions all recommended by you.

So you can feel 100% confident in the recommendation you are making and the referral to me as your professional peer - anyone you personally introduce me to for a customized solution - I will in turn always refer BACK to you so you can review my professional recommendation and get your approval before having the client move forward.

I am a seasoned, experienced veteran. This is not my first rodeo. I've been successfully helping small business owners, families, and business & medical professionals to plan for their future financial security for over 31 years now. 

Most people treat testimonials with a grain of salt. Why? Most insurance and financial advisors may have 3-5 at the most and what they do have are usually backed by nothing more than some initials and a region or area. It's taken me many years and building trust to gain this many testimonials. These are usually a paragraph or more, not simple one-liners. All are backed-up with full fontact details for legitimacy. 

In addition to running my firm, I have the credibility of also being a known author, and insurance & financial columnist in several publications and business journals such as the Spokane/Kootenai Journal of Business, the Wenatchee World, Broker World, the O&P Business News and others. 

Would it bother you if your tax client got seriously ill or injured and they had to close their business or practice? One powerful area I specialize in, is called "Business Overhead Expense" or (BOE). This is a type of disability insurance, typcially owned by a smaller, self-employed business owner or solo business or medical professional. It is designed to help them keep their doors open by reimbursing them for their routine monthly business expenses like salary & related taxes, lease or rent, utilities, commercial or professional insurance premiums or commercial loan payments. And one of the best parts - the PREMIUMS are 100% TAX-DEDUCTIBLE. All CPAs are looking for ways to help their clients grow their businesses and come up with more creative tax deductions.

Would it bother you if your tax client got seriously sick or hurt and they could not work to earn a living and maintain their lifestyle and quality of life? DI is the single most critically important area of financial planning and proper risk management - yet almost always the most neglected or overlooked. I am an EXPERT. Your clients are in excellent hands. I have access to the best highly-rated competitive companies with the best contract definitions and powerful riders.

MANY self-employed small business owners or solo practice medical and business professionals are under the very false assumption that "PENSIONS" and guaranteed income for life and the peace-of-mind that comes with it is limited to those fortunate enough to have a government job with the city, state or PUD, or law enforcement agency. They falsely think all that is available to them is stocks & mutual funds and rolling the dice and hoping they never run out of money. Nothing could be further from the truth. I SPECIALIZE and am an EXPERT in all different types of ANNUITIES designed to help your clients not only to grow money with no losses in the market - but to create the perfect "PERSONAL PENSION," a guaranteed income for life, no matter how they or their spouse lives. 

Many of your high-income tax clients may have a good "problem" to have - they make too much money to qualify for a Roth IRA. They may may very much want and like the idea of tax-free income in their retirement years, but their income is over the IRS income threshold so Roth IRAs are off-limits to them. 85% of Fortune 500 CEOs have the same problem and turn to a powerful concept called "Life Insurance Retirement Planning" or (LIRP). This is not your basic Term life policy. Properly and appropriately designed, this extremely powerful concept can be used to create massive tax-free distributions in retirement without any of the headaches or restrictions of Roth IRAs:

• NO income limiting restrictions to qualify.
• Almost unlimited contribution amounts.
• No April 15th deadlines.
• Backpayments are allowed to "catch-up."
• NO taxes and no IRS early withdrawal penalties before the age of 59 1/2. 
• Can be desined to capture and lock-in the upside gains of an index like the S&P 500 but with guaranteed ZERO market losses. All upside - no downside.
• Includes a tax-free permanent life insurance legacy death benefit.
• Ideal for small business owners or solo medical or business practitioners who want to reward their top employees on on a pick-and-choose basis based on merit with no rules associated with qualified plans like 401Ks. 

I was hired and trained  by New York LIfe, one of the premier life institutions out there and was there for 12 years. My father was with NYL for 43 years and my brother for 37 years. Life insurance is in my blood. You will be hard-pressed to find a better, more experienced expert at life insurance than me. I can assist your tax clients with analytically determining how much life insurance they actually need - and why, and help them to shop among top A+ rated companies to determine which solutions make the most appropriate sense for them and their business and their family.