Retirement guide
Wealth management with insurance
Our side of wealth management uses permanent life insurance, annuities and trust structures to grow savings tax-deferred, protect them and pass them to the next generation. It sits beside your investments, not in place of them.
What it is
Wealth management goes beyond investment returns. It protects what you've built, keeps taxes down and moves wealth to the next generation without leakage.
As an insurance-focused firm, we use permanent life insurance, annuities and trust structures for tax-advantaged accumulation and protection.
We work with an advanced-markets firm on the more involved strategies, and draw on 47+ A-rated carriers for the products.
How it works
What we do.
Tax-advantaged accumulation
Life insurance cash value and annuities that grow tax-deferred: IUL, whole life with dividends, and fixed or indexed annuities.
Asset protection
Properly structured insurance and trusts, such as irrevocable life insurance trusts, to help shield wealth from creditors, lawsuits and market swings.
Estate planning
Life insurance for estate liquidity, wealth replacement and beneficiary planning, so wealth reaches heirs efficiently and outside probate.
Business owner strategies
Succession, key person protection and executive benefits: buy-sell funding, key person insurance and deferred compensation plans.
Who it suits
How we work together.
Consultation
Your goals, your situation and your concerns. No obligation.
Analysis
We look at the whole picture for room to grow, protect and save tax.
Strategy
Recommendations with the benefits, costs and alternatives for each.
Implementation and review
We handle the paperwork, then review the plan as your life and goals change.
Cost
What it costs.
The first conversation costs nothing. The cost of a strategy is in its products: life insurance premiums and policy charges, annuity fees and riders, and the attorney's fee where a trust is drafted. We show each one before you decide.
Coverage and pricing depend on underwriting, eligibility, state availability, and carrier approval.
Before you decide
Why an independent firm.
Independent
Not tied to one insurer. We compare products from 47+ A-rated carriers for your situation.
Insurance expertise
Using permanent life insurance and annuities as wealth tools, with their guarantees, tax treatment and protection.
Plain words
Every strategy explained so you know how it works and why it fits.
Questions and answers
What people ask us.
Do I have to be very wealthy for this?
No. The underlying tools, tax-advantaged growth, asset protection and efficient transfer, work for anyone with something to protect.
How is insurance a wealth-building tool?
Permanent life insurance cash value and annuities grow tax-deferred, and come with guarantees most market accounts don't offer. Used correctly, they build and protect wealth at the same time.
Are you tied to one carrier?
No. We compare products from 47+ A-rated carriers, so the recommendation follows your situation, not one company's shelf.
What does the first conversation cost?
Nothing. It's a no-obligation conversation about your goals. You move forward only when you're comfortable.
Related guides
Read next.
Trusts and life insurance
How a trust holds a policy, keeps it out of probate and decides how your heirs receive the money.
Read the guideTax-advantaged strategies
Where insurance and annuities fit beside a 401(k) or IRA for growth the IRS lets you defer.
Read the guideIndexed universal life
Permanent coverage with flexible premiums and growth linked to a market index.
Read the guideTalk through what you've built.
Thirty minutes on your goals and where insurance can grow, protect or pass it on.
- Call or text
- (480) 999-9040
- seb@falconfinancial.org