Throughout my entire life, I have been a team player - in sports and at the workplace. I enjoy winning, but I get more gratification when I can help others succeed. I'm a teammate for advisors - identifying new sales opportunities, providing consultative and comprehensive insurance support services and effectively helping advisors grow their business.
I entered the financial services industry in 2002, and I have my life and health insurance licenses, as well as my series 6 designation. With previous experience as a producer, marketer and internal wholesaler, I understand the process from the ground up. I consult on life insurance, disability income and long-term care. One of my specialties is working with business owners - I worked in several small businesses and am associated with my wife's family business. I enjoy meeting with business owners because of their entrepreneurial spirit.
Happily married to my wife, Kelly, I have two children, Quinton and Aubrey, and we reside in Fort Wayne, Indiana. I enjoy spending time with my family, coaching my kids in basketball and volleyballs and watching sports. I'm also an active member of Toastmasters International and Big Brothers Big Sisters.
I'm always available to help educate you on the latest concepts, unique to your client's situation.
If you need assistance on a case, you have a team of dedicated specialists at your fingertips. Feel free to reach out to them directly if I am not available.
I'm always available to help educate you on the latest concepts, unique to your client's situation. Let me know how we can help with your next opportunity through case consultation, virtual point-of-sale assistance, case design support, illustration review, application fulfillment or field underwriting challenges. If you need help on a specific business line, you're always welcome to contact me or reach out to your dedicated team.
Unlike individuals, businesses are not subject to age-based limitations that determine if a long-term care policy is tax-deductible. Even if a company is set up as an S-corp, partnership or sole proprietorship, LTC policies have key tax savings that businesses shouldn’t overlook.
Most group coverage plans pay a percentage of the employee's salary based on the program's coverage limits. These benefits are also taxable, reducing the percentage of covered income. Make your client's income protection whole by adding individual coverage to their group plan.
Do you know anyone sitting on their existing nonqualified annuity even though they do not need it for income during retirement? See how this couple transferred their nonqualified annuity to a linked benefit annuity to pay for long-term care.
An executive income protection carve-out program might be just the thing for your business owner clients to consider when exploring employee retention strategies. It not only helps the executive in the case of an injury or illness, but it also gives the business a boost if they need to call in extra help.
Do you know anyone with a whole life policy that could be repositioned? Learn how this client used her existing whole life policy that she purchased to grow cash value to leave a legacy and protect herself against future long-term care costs.
A Restricted Bonus Plan is a combination of three planning tools: a Section 162 bonus plan, a restricted endorsement and an employment contract. The combination of these elements creates an attractive benefit for key employees while providing the employer with control.
Fluidless, accelerated, express, simplified – no matter the words you use, one thing is certain: More and more insurance companies are offering streamlined underwriting processes. This cheat sheet will give you an overview of the programs available and if your clients qualify.
Buy-sell agreements are frequently funded with life insurance, assuring that if an owner dies, the surviving family has a buyer with the cash to pay a fair price. Whether it's as stock redemption or cross-purchase agreement, it will help remaining owners retain control of the business.
With flexible funding options, uncapped indices and and downside protection to eliminate market losses, IUL offers more than just a death benefit. Use the example in this flier to discover how to drive meaningful returns for your clients.
Each business stage requires a different focus and set of tools and strategies to help business owners accomplish their goals. From startup, through growth, maturity and eventually business transfer, we can help you identify the issues you should be discussing with your client.
This a client-facing overview of ways a business owner can retain key employees. Moving from simple to complex, it covers endorsement split dollar, executive bonus with an option to add restriction and defined contribution supplemental retirement plan.
Clients often hate debt. But not all loans are bad. Super low interest rates and very favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide great sources of retirement income as needs arise.