Through my affiliations with Elite Financial Freedom, Aflac, and the Honor One network, I can connect individuals and businesses with the right products from the right providers — without being limited to any single company's lineup.
Whether you're just starting to think about your financial future or you're a few years out from retirement, the goal is the same: make sure you understand what you have, what you're missing, and what your options actually are. No pressure, no jargon.
Term, whole, universal, and indexed universal life options through top-rated carriers. We'll find the right fit for your budget, your goals, and your family's situation — not whatever's easiest to sell.
A personalized roadmap built around your timeline, your income needs, and the life you're working toward. We'll identify gaps, review what you already have, and build a plan that makes retirement a choice — not a surprise.
Guaranteed income strategies for people who want the security of knowing money will be there when they need it. Fixed, indexed, and income annuities explained in plain language so you can decide with confidence.
One-on-one guidance for individuals who want to take real control of their financial future. We'll cover the fundamentals — how insurance works, how to read your benefits, what questions to ask — so you can make better decisions from here on out.
Businesses of all sizes in western Colorado often leave money on the table — not out of carelessness, but because no one's walked them through the options. I help employers do more for their teams without spending more, reduce payroll tax liability, and in many cases meaningfully improve the bottom line in the process.
The 360 Advantage program restructures how employee benefits are administered to legally reduce FICA liability for both employers and employees — without changing take-home pay or benefits. A dollar-for-dollar win on both sides of the payroll. For qualifying businesses, this program can also raise EBITDA by approximately 5%, making it one of the few benefits strategies that improves both employee compensation and company financials simultaneously.
Aflac supplemental coverage fills the gaps employer health plans leave behind — accident, critical illness, hospital confinement, and more. Premiums are employee-paid through payroll deduction, meaning little to no cost to the employer. It's one of the highest-value benefits you can add to a package without impacting your bottom line.
Medicare is more complicated than most people expect, and the decisions you make at enrollment can affect your coverage and costs for years. I help you cut through the confusion so you enroll in what's right for you — not just what's easiest to explain.
Navigating Parts A, B, C, and D so you understand your options before you commit to them. We'll look at your current doctors, prescriptions, and budget to find the right coverage — and make sure you don't miss any enrollment windows that could cost you later.
Original Medicare leaves gaps — copays, coinsurance, and deductibles that add up fast. A Medigap policy covers what Medicare doesn't. I'll compare plans from multiple carriers so you get the coverage you need at the right price point.
Estate planning isn't something I handle directly, but it's something I take seriously. I work with trusted legal professionals in western Colorado and will connect you with the right person when you're ready to get your affairs in order.
A simple, affordable life insurance policy designed to cover end-of-life expenses so your family isn't left with that burden. Easy to qualify for, straightforward to understand, and one of the most meaningful gifts you can leave behind.
I offer a wide range of products and services — but wide doesn't mean unlimited. There are situations that call for a specialist I'm not, expertise I don't have, or a relationship that would serve you better than mine could.
If that's the case, I'll tell you. And I won't just leave you with a shrug — I'll do my best to connect you with someone I trust who can actually help.
My measure of success isn't whether you buy something from me. It's whether you walk away better off than when we met. Sometimes that means I'm your guy. Sometimes it means I'm the person who helps you find your guy.
Captive agents can only offer products from one company. As an independent consultant, I have access to dozens of top-rated carriers — which means I can find what actually fits your situation, not just what's available in my catalog.
If I can't find you a good solution, I'll tell you that. Honesty isn't a marketing strategy. It's just how I work.
That's exactly what the first conversation is for. We'll talk through your situation, figure out what matters most, and I'll point you in the right direction — no obligation, no pressure.