Our Philosophy

We believe each phase of life should be “golden” in its own way yet recognize that different periods usually bring unique challenges and opportunities and it’s wise to prepare accordingly. In general terms, we consider the following:

I. The Learning Years” (Age ~20-40)

  • Professional education
  • Exploring opportunities
  • Establishing a family
  • Building a career

II. The Earning Years” (Age ~40-60)

  • Professionally positioned for peak earning years
  • Helping children through college
  • Establishing “Transition Plans” (or Long-Term Care) for parents or children with special needs
  • Focusing on retirement savings and related “Quality of Life” preparations

III. The Legacy Years” (Age ~60-80+)

  • Transitioning from full-time work towards full-time retirement
  • Helping parents through their “transition” years
  • Enjoying grandchildren and creating a family legacy
  • Contributing meaningfully to personal priorities  (i.e. charities, churches, etc.) 


I. “The Learning Years”


During these early years of professional and family life, financial responsibilities become “real.” Young children, first mortgages, student loans, etc. all create pressure unique to this time of life. Without established assets, saving for emergencies and insuring against the loss of income due to accident, illness, or premature death is critically important. This may include large amounts of “temporary” (or “term”) life insurance combined with disability insurance to assist with a young family’s well being. Budgeting income is often necessary for these financial goals.


II. “The Earning Years”


As income becomes more dependable and possibly peaks, most people focus on “lifestyle” issues, preparing children for college, and caring for aging parents. As these realities become clear, increased attention should be given to financial preparations for one’s own later years. This usually includes saving aggressively in tax-efficient retirement plans and securing a basic foundation of “permanent” life insurance (i.e. capable of lasting one’s entire lifetime and outlasting the devaluing effects of inflation).  Budgeting ever larger percentages of income towards savings and long-term goals is often necessary as the wage-earner approaches retirement. Depending upon your personal and family health history, obtaining insurance against the #1 risk to your future retirement needs becomes critical:  “Long-Term Care” (aka "extended care").


III. “The Legacy Years”


“Financial Safety” and “Income Planning” are the priorities during this phase as individuals replace active earnings with passive income from pension, social security, investments, and personal savings. “Long-Term Care” expenses are vividly evident in the life of your parents and your friends’ parents and planning for this significant likelihood becomes absolutely critical.  Focusing on your life’s greatest passions – including family, community, hobbies, etc. – may now become your full-time pursuit. 



We believe in prioritizing financial matters.  Most people have limited resources and must choose what is most important to them.  Insurance should be for catastophic matters yet too often focuses on minor risks.  It is possible to 'over-insure' and most people do so by inadvertently focusing on things of lesser importance while missing things of greater importance.  We can help you clarify your priorities!