Every dollar sitting in a traditional IRA, 401(k), or an untaxed estate has a claim on it that never shows up on a balance sheet — until RMDs, estate tax, or a poorly timed distribution forces it into the open. You handle the tax return and the legal structure. This is the piece most CPAs and estate attorneys aren't licensed to implement themselves.
A referral relationship built around staying in your lane, not replacing it.
You keep the relationship. Clients stay yours. I work the insurance-specific piece and keep you informed.
No securities, no investment advice. I'm an independent insurance agent — FIAs, IUL, hybrid LTC, life insurance. I don't compete with your practice.
Two-way street. Clients I work with often need a CPA or estate attorney too — referrals go both directions where it makes sense.
No cost, no obligation. The first conversation is just to see if this is a fit for both practices.
This isn't a lead-gen pitch. It's an invitation to have one conversation and decide from there whether it's worth a standing relationship.
You don't need me to tell you which of your clients are sitting on a tax problem they don't fully see yet. From Loudoun and Fairfax to Richmond and Henrico to Lynchburg and Danville, the pattern is the same — you're already having part of this conversation. This just fills in the piece you're not licensed to implement.
You've flagged the future tax hit in a projection. What you may not offer directly is the Roth conversion execution, or the IUL and annuity structures that can reduce it before it fires.
Trusts and wills handle the legal structure. They don't fund it. Life insurance and IUL policies are often the actual funding mechanism behind the plan you drafted.
Most CPAs aren't licensed to sell insurance or annuities — which means the client either finds someone else, or never solves it at all.
The wrong referral can damage your relationship with the client. This partnership exists so you have someone you've actually vetted before you send anyone their way.
No formal contract, no exclusivity requirement. Just a working relationship built the same way I built my playbook on the football field — know your role, trust the person next to you.
15–20 minutes to understand your practice, your typical client profile, and whether there's a real fit before anything formal happens.
When a client's situation calls for Roth conversion strategy, IUL, FIA, hybrid LTC, or life insurance funding, you send them my way — with no obligation to refer every client.
You stay informed on what's implemented, so it stays coordinated with the tax return or estate plan you're managing — not working against it.
Clients I work with regularly need a CPA or estate attorney. Where there's a fit, that relationship works in both directions.
The Silent Partner presentation above walks through exactly how the IRS's claim on untaxed accounts and estates plays out in real client situations — and where insurance-based strategy fits alongside the work you already do.
Built for CPAs and estate attorneys specifically — not a consumer-facing pitch.
The IRS's ongoing claim on every taxable dollar a client holds in traditional retirement accounts or a taxable estate. This partnership works to reduce that claim through insurance-based strategies — Roth conversion ladders, IUL, and properly structured annuities — alongside the tax or legal work you already provide.
You refer a client when their situation calls for a product you don't provide directly. I work the case as an independent insurance agent, keep you informed, and don't offer securities or investment advisory services that would compete with your practice.
Most CPAs and estate attorneys aren't licensed to sell insurance or annuity products. Referring this specific piece lets you stay focused on your core practice while making sure the client's full picture gets addressed by someone qualified to implement it.
Clients with significant traditional IRA/401(k) balances facing future RMDs, clients concerned about estate tax exposure, business owners without a funded buy-sell agreement, and pre-retirees looking to reduce lifetime tax liability through Roth conversions.
No. There's no cost to establish the relationship. The first conversation is free and just about determining fit.
Tell me a little about your practice. I review every submission personally and follow up within one business day.
Prefer to just grab a time? Book directly on the calendar →