Frequently Asked Questions

  • Simply reach out to set up a conversation. I’ll take the time to listen, answer your questions, and help you explore whether hourly planning or another approach feels like the right fit for you.

  • Yes. Hourly planning is available, with no asset minimums and no ongoing fee required. This option is ideal if you want focused guidance without a long-term commitment.

  • Yes. I help clients evaluate and purchase fixed annuities, including multi-year guaranteed annuities, as part of a broader retirement income strategy.

  • I work with individuals, families, and small business owners who value transparent guidance and a thoughtful, long-term approach to financial planning.

  • No separate planning fee is charged for an annuity purchase. If you buy a fixed annuity, the insurance company pays me a small commission, and your deposit is not reduced by that commission.

  • No. Fixed annuities are insurance products, not bank deposits or securities. They are not FDIC or NCUA insured, and guarantees are based on the claims-paying ability of the issuing insurance company.

  • No, I do not provide tax or legal advice. However, I’m happy to coordinate with your CPA or attorney. to ensure your planning is well-aligned.

  • Yes. Product features, rates, and availability vary by state and change over time. It’s important to review the approved product flyer, contract, and state-specific disclosures before making a decision.

  • Call or contact me for the hourly rate.

pricing  & disclosures

Hourly planning

No asset minimums. No ongoing fee required.

Annuities

No separate planning fee for a purchase. If you buy a fixed annuity, the insurer pays a commission to me; your deposit is not reduced by that commission.

Important disclosures:

  • I do not provide tax or legal advice. I can coordinate with your CPA/attorney.

  • Fixed annuities are insurance products, not bank deposits or securities, and are not FDIC/NCUA insured. Guarantees are based on the issuing insurer’s claims‑paying ability.

  • Product features, rates, and availability vary by state and can change. Always review the approved flyer, contract, and state disclosures before purchasing.

  • For hourly planning clients: I do not sell products in those sessions. If you later consider an annuity, that’s a separate discussion and paperwork.