Financial Advisor

A financial advisor is a professional who works to help their clients meet and manage their most important financial goals in life. A fundamental goal of a financial advisor is to increase the net worth of their clients over time, while protecting them from risks such as loss of income due to disability, premature death and long-term care expenses. Financial advisors will also work with clients in the areas of tax planning, estate planning, and retirement income planning and asset decumulation.

Retirement Risk Report

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Annuity Calculator

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Retirement Sustainability Report

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Exams and Suitability

An interesting article from Darla Mercado of Investment News discusses the NAIC's

What is M&E fees?

M&E fees (also referred to as mortality and expense charges) are part of the expense structure of annuities.  In general, these charges cover the insurance guarant

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