Risk & cover
- a.Life and disability, sized right
- b.Long-term care options
- c.No policies sold — advice only
Service
Cover what would break the plan
- First meeting
- Free · 45 min
- Fee
- Flat, never a percentage
Insurance should cover the few things that would break your plan — and nothing else. We size life, disability and long-term care cover from your numbers and never earn a commission on a policy.
What it covers
- 01Life and disability, sized right
- 02Long-term care options
- 03No policies sold — advice only
Best for
- Single-income families
- Business owners
- People comparing long-term care options
Fee · Advice included · we never sell policies
Questions
Only by you. A flat fee agreed up front — no commissions, no percentage of your assets, no products to sell.
Yes. 45 minutes on video, no obligation. If we can't help, we'll say so and point you to someone who can.
No asset minimum. The Plan works for anyone with a question worth answering — Ongoing suits people with investments to manage.
With a large independent custodian, in your name. We can advise and trade — we can never withdraw.
Very often that's when it matters most — income order, taxes and what you leave behind.
Yes — pay, pensions, succession and the sale, planned together with your accountant.
Low-cost index funds, set by your plan and rebalanced four times a year.
Your first step
Forty-five minutes on video with an advisor. You leave with three things to do next — whether or not you hire us.
- ✓Free, no obligation
- ✓An advisor, never a salesperson
- ✓Three next steps, in writing
Pick a time
You'll talk to Helena Marsh, CFP®