What we do best is provide services as a fiduciary for the insurance companies we represent.  We only provide services backed by insurance companies that mitigate risk by protecting your assets and/or guaranteeing lifetime income. In the most tax efficient way possible. Your financial challenge(s) dictate the need. It may be as simple as adding adequate life insurance coverage or as comprehensive as supplementing tax free income into your financial plan or guaranteeing income that you cannot outlive.