Our Services

Bank On Yourself

B.O.Y. – or Bank On Yourself® is a financial management strategy which uses a unique and flexible insurance vehicle to accomplish many different financial goals throughout a person's lifetime.

In your youth: Bank On Yourself can be used for college expenses, weddings, purchasing cars, even financing a home.

In middle-age: Bank On Yourself is a great way to finance large purchases, from cars to home improvements, to family vacations. It can also be used to reduce and/or pay off debts, or even pay off your existing mortgage. It can also be an amazing tool for business owners – if you purchase or finance any type of equipment or property for a business, this strategy could benefit you in ways that you would never even have imagined.

In your senior years: Bank On Yourself is a reliable method for building retirement income that can last you the rest of your life, and it may can also be used for medical expenses, vacations and travel, and when it comes time, final expenses.

But it doesn't end there: After you pass away, your Bank On Yourself plan can live on after you as a legacy to your family, or go to support a charity of your choice. (And all of this on a tax-free basis – if properly structured. Be sure to consult with one of our Certified Bank On Yourself Advisors to make sure you receive all of the benefits available to you through this strategy.)

Bank On Yourself is a valid insurance strategy to use throughout your lifetime and beyond – and this is one the most powerful benefits of this concept.

For more information on Bank On Yourself, you can visit www.bankonyourself.com, or contact our office to speak with a Certified Bank On Yourself Advisor.


Social Security Planning

Social Security is a very important piece of the retirement income puzzle, but many people don't realize that there are strategies available that can help maximize your Social Security benefits.

It is also important to consider how Social Security will factor into your overall retirement plan, so that you can make sure you have the proper strategy in place before retirement.

How We Can Help with Social Security Planning:

- Spousal benefits are one of the most important aspects of Social Security. Utilizing spousal benefits properly is key to maximizing your benefits. However, there are several different types of spousal benefits, and the rules vary depending on whether your spouse is living or deceased, or if you are divorced. We can help you evaluate your options and choose the spousal benefit strategy that is best for your situation.

- Some people are surprised to learn that Social Security benefits can be taxed. In fact, you can be taxed on up to 85% of your Social Security benefit, and most people will pay at least some tax. How much of your benefits will be taxed depends on your filing status and your income - as well as where that income comes from. By analyzing your retirement income plan, we may be able to help you position some of your assets to help reduce how much of your Social Security benefits will be taxed.

- Social Security is a very important part of your retirement plan, and it is equally important that you understand how to utilize the available Social Security strategies in tandem with your overall retirement income strategy, in order to maximize your benefits and achieve the level of retirement income that you require. We can provide expert guidance and customized strategies to help you achieve your goals for a comfortable retirement.

Visit our Events Page to register for a FREE Social Security Planning Workshop in the Columbus Area.


College Planning


When it comes to paying for college, finding an extra $10,000 – $20,000 (or more) per year, per child can be a daunting prospect. For too many parents, it means paying for college with money that should go to finance their retirement.

It's a choice no parent should have to make:

  • Will you rob your retirement account, and risk that someday you'll end up depending on your children to pay for your care?
  • Or will you let your kids go forward on their own, knowing they'll be saddled with student loans they may need decades to pay off?

We are here to help!

We offer a full suite of college planning services – from student coaching and college prep tests, to proper financial planning and budgeting to help you cover the high cost of college for your family.

Our College Planning Specialists can help you:

  • Find the best schools for your child based on his/her interests and your budget
  • Help you get the largest financial aid package available to you
  • Guide you through the college and financial aid application process
  • Provide you with a college planning checklist and timeline for completion of necessary steps
  • Show you how to pay for any out-of-pocket portion of your child's college costs in the most efficient and tax-favored manner possible

Contact Us Today to Request a FREE, No-Obligation College Funding Analysis, or register for one of our FREE informational workshops on our Events page.


Business Planning Solutions


We offer a number of strategic planning options for businesses and small business owners. Our experienced advisors can personally assist you with your business needs, including but not limited to:

  • Buy-Sell Agreement Planning and Funding Options
  • Key Employee Executive Bonus Plans
  • Deferred Compensation Plans
  • Supplemental Executive Retirement Plans (SERP's)
  • Key Man Plans and Insurance
  • Asset Accumulation for Business Owners
  • Shareholder Buy-Out Funding Options

Business Advisory Services

  • Advisory Services for Small to Middle Market Size Businesses
  • Investment Options for Company/Shareholder(s)
    - In Lieu of or Addition to a Defined Benefit/401K Plan
    - Decrease Dependency on Bank and Other Third Party External Capital Sources
    - Minimize Market Risk and Volatility of Equities and Mutual Funds

Business Consulting Services

  • Alternate Working Capital & Permanent Capital Funding Options/Plans
  • Consulting Services for Small to Middle Market Size Businesses & Medical Professionals
  • Creation and Modification of Strategic Business Plans
  • Identifying Capital (Permanent & Short Term) Needs of Business
  • Identifying Various Capital Sources Available in the Market and Assisting in Providing Introductions to Potential Capital Partners, Negotiating Structure and Pricing of Proposals, Review of Terms of Proposed Credit, and Closing the Deal
  • General Business Advisory & Consulting Services

Contact us today to speak with a business planning specialist .