Protect What You
Spent a Lifetime
Building.

My biggest fear was outliving my savings. I retired at 63 with decent money saved but no plan for what happens at 80. Lee showed me how a properly structured FIA could guarantee income I literally cannot outlive. That peace of mind is priceless.

We thought $4,000 a month would be more than enough to live on in retirement. Three years in, between groceries, gas, and utilities, it wasn’t. Lee restructured our income plan with an inflation-indexed strategy that grows our income every year. We actually feel ahead now.

I watched my 401(k) drop $80,000 in six months. My advisor kept telling me to “stay the course.” Lee showed me how an FIA captures gains and locks them in permanently. I moved money I couldn’t afford to lose into a zero-floor product. I’ve slept better ever since.

Nobody told me that pulling 6% a year from my portfolio in a down market was essentially a death sentence for my savings. Lee restructured our withdrawal strategy using the three-bucket approach. Now we never touch the growth bucket during down years.

My mother spent her last four years in memory care. It wiped out everything she had saved. I was determined that wasn’t going to happen to us. Lee set us up with a hybrid LTC policy that covers care but still passes to our kids if we never use it. Win either way.

I had $620,000 sitting in a traditional IRA and thought I was set. Lee showed me that with RMDs and current tax brackets, the government was a silent partner in nearly a third of it. We’ve been doing a Roth conversion ladder for two years now.

I almost claimed Social Security at 62 because I needed the income. Lee built me a bridge income strategy using an annuity to cover my expenses for four years so I could delay SS to 66. My monthly benefit went up nearly $700. That decision alone will pay for itself many times over.

We never thought about what we’d leave behind — we were too focused on surviving retirement. Lee helped us see that with the right IUL structure, we could build a tax-free death benefit that would actually mean something to our grandchildren.

My previous advisor put everything into annuities with no liquidity. When my roof needed $18,000 in repairs, I had no accessible cash without a surrender charge. Lee completely rebuilt our plan using the three-bucket strategy. Emergencies don’t derail us anymore.

Retiring right before a market drop was terrifying. I was withdrawing from a shrinking portfolio, which Lee explained is the worst combination in retirement. He restructured my income so I draw from protected sources during down years. My portfolio is actually recovering now.