Build a Financial Plan That Supports the Life You Want

Protect More Than Just Your Present

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Whether you’re thinking about retirement, preserving your wealth, or creating guaranteed income for the future — we help you build a plan that fits your life, not just a number.


Our financial planning services include annuities, retirement income strategies, and life insurance policies with cash value. These tools offer protection, flexibility, and peace of mind — and we’re here to explain them in plain English.

Long-Term Financial Planning Starts With the Right Tools

Create a Monthly Paycheck in Retirement

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Turn Savings Into Income You Can’t Outlive

Annuities are financial products that convert your retirement savings into guaranteed income — whether now or in the future. They can help fill the gap between Social Security and your actual monthly needs.

  • Fixed, indexed, and variable options available
  • Guaranteed income for life or a fixed period
  • Protect against outliving your savings
  • Can be used in IRAs or 401(k) rollovers
  • Tax-deferred growth potential

Make Your Retirement Income Work Smarter

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Get a Strategy That Works Beyond the Retirement Date

We help you map out how your income sources — like Social Security, pensions, IRAs, and annuities — all work together. A smart withdrawal plan can reduce taxes, avoid penalties, and help your money last longer.

  • Personalized income strategy
  • Coordination with Medicare & Social Security
  • RMD (required minimum distribution) planning
  • Tax-efficient withdrawal order
  • Flexible income for changing needs

Plan for Life While Protecting Your Legacy

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Add Flexibility & Living Benefits to Your Life Insurance

Permanent life insurance like whole, universal, and indexed universal life (IUL) builds cash value you can access during your lifetime — for emergencies, retirement, or legacy planning.

  • Lifetime coverage
  • Tax-deferred cash value growth
  • Access to cash via loans or withdrawals
  • Can supplement retirement income
  • Supports legacy or estate planning
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Have Questions About Your Financial Future?

Financial Planning FAQs

Here are some of the most common questions we help Connecticut families and individuals answer as they prepare for retirement and beyond.

  • What’s the difference between an annuity and a 401(k)?

    A 401(k) is a retirement savings plan, while an annuity is a contract that provides income. You can use your 401(k) to fund an annuity when you retire to convert savings into guaranteed payments.

  • When should I start planning for retirement?

    Ideally, in your 40s or 50s — but it’s never too late. We tailor recommendations to your current life stage and goals.

  • Can I access the cash value in my life insurance?

    Yes. Many policies allow tax-free loans or withdrawals from your policy’s accumulated value — though this may reduce the death benefit.

  • Are annuities safe?

    Fixed and indexed annuities are considered low-risk, and many include principal protection. We only recommend options backed by highly rated carriers.

  • Can you help me minimize taxes in retirement?

    Absolutely. We can coordinate your income sources to reduce your tax burden and avoid unnecessary penalties.

Let’s Build Your Plan Together

Retirement Shouldn’t Be a Question Mark