Advanced planning
Protection first. Planning beyond it.
Once a family is protected, the next questions are about income that lasts, money that cannot be lost, businesses that reward the right people, and children who get to college. These are the strategies we work with, explained without the seminar.
Secure retirement income
Fixed and fixed indexed annuities: principal protection with lifetime income options.
Pre-retirees · retirees
Executive & owner plans
Executive bonus plans, key-person coverage, buy-sell funding, 412(e)(3) fully insured plans.
Business owners
College planning
Saving for college without accidentally reducing financial aid.
Parents of teens · grandparents
Debt elimination
A written plan to get out, and coverage so the debt never lands on someone else.
Households carrying balances
Cash value & “infinite banking”
What properly designed whole life can and cannot do as a liquidity tool.
Savers · entrepreneurs
Secure retirement income
Fixed indexed annuities.
A fixed indexed annuity is a contract with an insurance company. Your money is not in the market. Each year the carrier credits interest tied to an index such as the S&P 500, subject to a cap or participation rate, and in a down year the floor is typically zero. You give up some of the upside in exchange for never taking a market loss on principal. Most contracts carry a surrender-charge period, often five to ten years, so this is money you do not plan to touch soon.
The reason people use them is the optional lifetime income rider: a guaranteed monthly check that continues as long as you live, regardless of what the account value does. If the gap between your guaranteed income and your expenses in retirement worries you, that is the conversation to have.
What we do: quantify the gap, decide how much (if any) of your money belongs in a guaranteed bucket, compare carriers on caps, fees, rider costs and financial strength, and put the surrender schedule in front of you before anything is signed. Guarantees are backed by the claims-paying ability of the issuing insurer.
Executive & owner plans
Rewarding the people you cannot afford to lose.
Executive bonus plans. The company pays the premium on a permanent life insurance policy the key employee owns. The business generally deducts it as compensation; the employee gets protection for their family and a growing cash value they keep even if they leave. Simple to set up, easy to explain, and a real reason for a good person to stay.
Key-person and buy-sell coverage. If one death would cripple the company or force a partner’s family into the business, insurance is the cleanest funding source there is. We size it to the agreement your attorney drafts.
412(e)(3) fully insured plans. For the owner who built the business and forgot to build the retirement: a defined benefit pension funded only with guaranteed contracts, which can allow very large deductible contributions over a short horizon. It comes with required annual contributions and firm rules, so it fits a specific kind of business. The plain-English explanation, with 2026 limits.
Every one of these is implemented with your CPA and attorney, and a third-party administrator where the plan requires one. We design the insurance and place it with the carrier; they handle the tax and the documents.
College planning
Save for college without hurting the aid.
Two problems, not one: saving enough, and not letting the savings quietly reduce financial aid. The FAFSA counts some assets and ignores others, and the formula changed for 2026-27. Where the money sits, and in whose name, can matter as much as how much there is.
We look at 529 plans, cash-value life insurance, and simpler answers like account titling, and we tell you which fits your family rather than which pays the most. Tax questions go to your CPA. FAFSA 2026-27: what counts and what doesn’t.
Debt elimination
A written plan, then protection around it.
Nobody earns a commission on a debt payoff plan, which is why most financial conversations skip it. We do not. List every balance and rate, choose the order (highest rate first is the math; smallest balance first is the psychology; both work if you keep going), and redirect every dollar you free up to the next one. We will build the schedule with you and check in on it.
Where insurance fits: the debt should not outlive you. A spouse or co-signer should never inherit a balance. Inexpensive term coverage sized to the debts handles that while the plan runs, and it is usually the cheapest policy we ever write.
Cash value & “infinite banking”
What is real, and what is marketing.
The mechanics are real. A properly designed whole life policy, funded well above the minimum, builds cash value that grows on a guaranteed schedule plus dividends the carrier is not obligated to pay. You can borrow against it for a business, a vehicle, a down payment or an emergency, and the policy keeps growing as if the money were still there, because it is. You pay the loan back on your own schedule, or the balance comes off the death benefit.
The marketing is where it goes wrong. It is not a bank, it is not free money, and it is not for everyone. The first years are expensive, the loan interest is real, and a policy built for death benefit instead of cash value will disappoint you for a decade. We wrote about the children’s policies that were doing the wrong job.
What we do: show you the guaranteed columns next to the projected ones, design for cash value when that is the goal (paid-up additions, the right base-to-rider ratio, a carrier with favorable loan provisions), and tell you honestly when a simpler account is the better answer.
Next step
Start with the situation, not the product.
Twenty minutes
Book a consultation
Four questions, one recommendation, in writing.Already own something
Get a second opinion
Annuities, old policies, employer plans. We read them with you.Not sure which applies
Find your starting point
Nine goals, one click each, plain answers.Insurance products are issued by licensed carriers; guarantees are backed by the claims-paying ability of the issuing insurer. Annuities and cash-value life insurance are long-term contracts with surrender charges and, for life insurance, costs of insurance; withdrawals and loans reduce values and benefits. Nothing on this page is tax, legal or investment advice.
Questions people ask
What is a fixed indexed annuity?
A contract with an insurance company that credits interest linked to a market index, with a guaranteed floor (usually zero) in a down year, in exchange for a cap or participation rate on the upside and a surrender-charge period. Many offer an optional lifetime income rider. It is not an investment in the market and does not lose principal to market declines; guarantees depend on the claims-paying ability of the insurer.
Is 'infinite banking' real?
The mechanics are real: a properly designed, well-funded whole life policy builds cash value you can borrow against while the policy keeps growing. The marketing often oversells it. Results depend entirely on the design, the funding level, the carrier's loan provisions and your discipline. We show the guaranteed columns, not just the projections.
What is an executive bonus plan?
An arrangement (often under IRC Section 162) where a business pays the premium on a permanent life insurance policy owned by a key employee as a bonus. The business generally deducts the bonus as compensation; the employee owns the policy and its cash value. Tax treatment must be confirmed with your CPA.
What is a 412(e)(3) plan?
A fully insured defined benefit pension plan funded exclusively with guaranteed insurance and annuity contracts. It can allow large, deductible contributions for an owner who is behind on retirement, in exchange for required contributions and strict rules. It is implemented with a third-party administrator, your CPA and counsel.
Do you give tax or investment advice?
No. Caleb is a licensed insurance professional. Anything involving tax treatment, securities or your overall investment allocation is coordinated with your CPA, attorney or registered advisor.