An advanced planning firm for producers working upmarket.
Most contracting shops exist to sign agents and collect on whatever gets sold. This one is built around case design for business owner and high net worth work, and around sitting alongside the client's CPA and attorney while that case is put together. Your book stays yours.
Where the surcharge hits.
Built around complex cases, not around contracting volume.
Advanced case design
Buy-sell funding, key man coverage, split-dollar, executive bonus arrangements, estate liquidity, and corporate-owned life insurance, designed with you before the client meeting rather than after the application.
Work alongside the CPA and attorney
We are comfortable in the room with the client's tax and legal advisors. Structure questions go to them, funding design comes back to you, and nobody is asked to work around anyone.
Plan coordination
Cash balance and defined benefit plan coordination, qualified plan interaction, and the sequencing questions that decide whether a business owner case holds together.
Contracting and quiet back office
Carrier contracts held through the firm while the book stays yours. New business, licensing, and carrier follow-up run in the background, with the tool suite and Ace supporting intake and case follow-up.
Advanced-planning tools built for the client meeting.
Each tool below is provided to producers contracted through the firm, and can also be opened on its own as a quick reference.
SPIA vs Qualified Calculator
Compare taking retirement income from a qualified account against a SPIA and life-insurance strategy. Side-by-side outcomes in plain English.
IRMAA Cliff Checker
See exactly where Medicare IRMAA income brackets create surcharge cliffs so you can plan around them.
RMD Calculator
Project required minimum distributions across accounts and years, with clear tax-year visibility.
View RMD Calculator detailsOpen a tool, no signup.
This year's required minimum distribution and a year-by-year projection through age 95.
OpenWhich rule applies to an inherited IRA, the deadline, and a suggested distribution schedule.
OpenBalance at retirement from contributions and expected return, with optional inflation adjustment.
OpenProject a 401(k) at retirement including employer match, salary growth, and investment returns.
OpenCompare claiming at 62, Full Retirement Age, and 70 to find the age when delaying pays off.
OpenFinal balance, total interest, and year-by-year growth from a principal, rate, and optional monthly contributions.
OpenProject a tax-free Roth balance at retirement, with contributions vs growth and 2026 limits explained.
OpenConvert now versus stay put. See the tax cost today and the after-tax value at withdrawal.
OpenEstimate the monthly income a SPIA would pay from a lump-sum premium, with life-only, period-certain, and joint options.
OpenSee Part B and Part D IRMAA tiers by MAGI, total monthly and annual surcharge, and dollars to the next cliff.
OpenShort vs long-term classification, the applicable 0/15/20% rate, NIIT, and net after-tax proceeds on a sale.
OpenFederal estate tax on the taxable estate using the current exemption, amount at the 40% rate, and net to heirs.
OpenTotal assets minus total liabilities, with a category breakdown of what you own and what you owe.
OpenMarginal and effective rate, total federal income tax, and how income is taxed bracket by bracket.
OpenSize coverage using the DIME method, credit existing assets and policies, see the recommended additional coverage.
OpenDirect an RMD to charity, cut taxable income and MAGI, and reduce IRMAA exposure with a Qualified Charitable Distribution.
OpenEstimate the annual and monthly pension and compare a lump-sum offer to the present value of the annuity stream.
OpenAn AI teammate that runs the numbers with you.
Ace sits next to the producer and runs deterministic calculators (RMD, Roth conversion, IRMAA, estate exposure and more) on the way to a recommendation, then drafts the client-ready follow-up. The demo on the right is scripted, but the workflow is what producers actually use.
It also automates lead follow-up, researches quotes, flags renewal and cross-sell opportunities, and carries working knowledge across life, annuity, health, benefits, Medicare, and P&C. Case-design workflows and client-facing conversational intake now sit inside Ace as well.
Scripted preview. Ace is the firm's AI product, separate from the standalone calculator suite, and is available through the firm.
"A firm should make the producer look sharper in the meeting and lighter on paperwork after it. That is the standard here."
Built for the case, not for the contract count.
Advanced planning is the specialty
The desk spends its time on business owner and estate work: buy-sell funding, key man, split-dollar, executive bonus, cash balance coordination, and corporate-owned life insurance. That is the work, not a side line.
Comfortable with the CPA and attorney
Complex cases are settled in a room with the client's other advisors. We prepare for that room, defer tax and legal questions to the people who own them, and keep the funding design coherent with what they decide.
Your book, your independence
You keep the client relationship and the production. The firm sits behind you as case design and back office, not in front of you as a gatekeeper.
Selective on purpose
This fits producers already working upmarket, or deliberately moving there. If your practice is straightforward term and index annuity business, a volume shop will likely serve you better, and we will say so.
Free Retirement Toolkit
A working Excel workbook we use to sketch retirement income scenarios. Enter your email and we will send you the download.
Educational use only. Not financial, tax, or legal advice.