Financial protection for every stage of life.
Whether you're a teacher building toward retirement or a family looking for the right coverage — we provide licensed, pressure-free guidance across life insurance, retirement planning, and estate planning. Our license covers life and health, but we focus on the areas where we can make the biggest difference for you.
Retirement specialists serving educators and everyone else — licensed, independent, and conflict-free.
Life Insurance
Life insurance consultations and policy placement are completely free. We are compensated by the carrier — you pay nothing out of pocket for the review, the comparison, or the placement.
Life insurance is more than a death benefit — it can be a living, flexible financial tool. We help you choose the right structure and coverage level for where you are now and where you're headed.
Simple, affordable coverage for a fixed period — typically 10, 20, or 30 years. If you pass during the term, your beneficiaries receive the full death benefit. No cash value, no complexity. Ideal for income replacement during peak earning years or while children are dependent.
Retirement Planning
Retirement planning consultations — 403(b), 457(b), IRA reviews, and pension maximization analysis — are provided at no cost. Carrier compensation covers our time.
Most people have access to more retirement vehicles than they realize. We review what you already have, identify what you're missing, and help you stack the right accounts for tax-efficient growth — whether you're 25 or 55.
Key differences between 403(b), 457(b), and IRA retirement accounts for educators and public employees
| Plan | Who qualifies | Early withdrawal | Tax treatment |
|---|---|---|---|
| 403(b) | Public school employees, university staff, nonprofits | 10% penalty before age 59½ | Pre-tax contributions, tax-deferred growth |
| 457(b) | Government employees, some nonprofits | No penalty — no age 59½ restriction | Pre-tax contributions, tax-deferred growth |
| IRA | Anyone with earned income | 10% penalty before age 59½ | Traditional: tax-deferred. Roth: tax-free growth and withdrawals |
The 457(b) is one of the most underused tools for public employees — no early withdrawal penalty means you can access funds before age 59½ without cost when leaving your employer.
A tax-advantaged retirement savings plan available to public school employees, university staff, nonprofit workers, and many healthcare professionals — including teachers. Contributions are made pre-tax, reducing your taxable income today. Growth is tax-deferred until withdrawal in retirement.
Estate Planning
Estate planning documents (wills, living trusts, powers of attorney) carry a flat fee — significantly less than comparable attorney drafting rates. You'll know the exact cost before any work begins.
Estate planning is not just for the wealthy — it is for anyone who wants to decide where their assets go and who speaks for them when they cannot. We walk through every document you need, in plain language, with no unnecessary complexity.
Standard attorney drafting rate for a complete estate plan
Due at end of first consultation (typically 1–2 hrs)
Billed when your estate plan is mailed to you
What's included
- Complete estate plan mailed directly to you
- Online read-only access for loved ones
- Lifetime updates as your life changes
- Notarization guidance for required documents
Texas real property transfer (home into trust name) is approximately $200, paid directly to the State of Texas — separate from the estate planning fee.
A will is the foundational document that directs how your assets are distributed after death, names an executor to carry out your wishes, and designates guardians for minor children. Without a will, state law makes those decisions for you — which rarely reflects what you actually wanted.
Book your first consultation.
Your first call typically runs around 30 minutes. We walk through your situation, explain your options, and — for estate planning — design the full plan. No pressure, no jargon. Pick a preferred time window and we will confirm within one business day.
Pick a time directly on the calendar — no back-and-forth required.
You'll receive a confirmation and reminder automatically.
Your calls are always free — life, retirement, or estate planning.
Enter your details to have them pre-filled in the booking form below.
Ready to review your coverage?
Whether you need a simple term policy or a full retirement and estate review, we will walk through your options in plain English — no pressure, no jargon. One conversation covers a lot of ground.