Every Solution.
One Trusted Advisor.
Medicare Planning
Turning 65 is one of the most important financial milestones of your life — and Medicare is more complicated than most people realize. With dozens of plan types across hundreds of carriers, making the wrong choice can cost you thousands and mean losing access to your preferred doctors.
We simplify the process completely. We compare Medicare Advantage plans, Supplements (Medigap), and Part D prescription drug plans across a wide range of carriers — then recommend the plan that fits your budget, your doctors, and your medications perfectly.
We offer:
- Medicare Advantage (Part C)
- Medicare Supplement / Medigap
- Part D Prescription Drug Plans
- Dental, Vision & Hearing ancillary plans
- Annual plan review & re-enrollment support
Is Medicare the Right Fit?
You may benefit from a Medicare review if you are:
- Approaching age 65 (turning 65 within 3 months)
- Already on Medicare but unsure if your plan is still the best fit
- Paying high premiums and wondering if you can save money
- Unhappy with your current network of doctors
- Confused about Original Medicare vs. Advantage vs. Supplement
Protection. Growth. Legacy.
Whether you need to protect your family from the unexpected, leave a tax-free legacy, or build guaranteed retirement income, we offer the full spectrum of life and insurance solutions from a diverse portfolio of A-rated carriers.
Market Growth. Zero Downside Risk.
An IUL gives you lifelong life insurance protection with a cash-value account tied to a market index — so you can participate in market gains without ever losing ground when markets fall. It's one of the most powerful wealth-building tools available.
- Lifelong Protection: Permanent coverage for your entire life — no expiration, no renewal surprises.
- Tax-Advantaged Accumulation: Cash value grows tax-deferred; access it tax-free in retirement via policy loans.
- Zero Downside Risk: A floor of 0% means your account never loses value when the market drops.
- Liquidity: Access your cash value at any time for emergencies, opportunities, or retirement income.
- Flexible Retirement Income: Use policy loans to supplement Social Security and other income streams — tax-free.
Who Benefits Most from an IUL?
- Ages 30–55 with 10+ years to let cash value grow
- High-income earners maxing out 401(k) and Roth IRA
- Business owners seeking tax-efficient wealth transfer
- Anyone wanting market upside with a guaranteed floor
- Those planning supplemental tax-free retirement income
Who Benefits Most from an FIA?
- Pre-retirees ages 50–70 approaching or entering retirement
- Those who cannot afford to lose principal to market risk
- Anyone seeking guaranteed income they cannot outlive
- Savers frustrated by low CD and savings account rates
- People wanting to eliminate fees in their current portfolio
Guaranteed Income. Zero Market Risk.
A Fixed Index Annuity combines the safety of a traditional fixed annuity with the growth potential of a market index. It's ideal for pre-retirees and retirees who want to stop worrying about market crashes while ensuring they never run out of income.
- The Power of Indexing: Earn interest based on market index performance — without owning stocks.
- Safety & Security: Only A-rated carriers. Your principal is 100% protected from market losses.
- Triple-Compounding Growth: Your premium, credited interest, and tax deferrals all compound together.
- Eliminate Fees: Unlike variable annuities, many FIAs carry no annual management fees.
- Guaranteed Lifetime Income: Optional income riders pay you a guaranteed amount every month — for life.
Dignified Coverage. No Medical Exam.
Final expense life insurance ensures your end-of-life costs are fully covered — protecting your family from an unexpected financial burden at the most difficult time. Coverage is permanent, premiums are guaranteed to never increase, and approval is easy.
- Permanent coverage to age 120 — it never expires
- Level death benefit — never decreases over time
- Level premium — never increases, no surprise renewals
- You choose the beneficiary who receives the tax-free benefit
- Double accidental death benefit included
- Accelerated death benefit if diagnosed with terminal illness
Protect Your Home. Protect Your Family.
Your home is likely your largest asset. Mortgage protection insurance ensures that if you die unexpectedly, your family keeps the house — fully paid off, free and clear — without scrambling to make payments or sell in a crisis.
- Pays off your mortgage in full upon your death
- Family keeps the home — fully free and clear
- Return of premium option: get every dollar back if you outlive the policy
- Benefit amount tracks your mortgage balance over time
- Covers critical illness and disability riders available
- Quick approval — often no medical exam required
The Ignite Health Plan
Discover how the Ignite Plan delivers affordable employee benefits at no cost to staff, while saving employers $620 per eligible employee annually.
Smarter Health & Tax Savings in One Program · Powered by IgniteHealth.com
Smarter Health & Tax Savings in One Program
The Ignite Plan helps employers reduce healthcare costs, boost employee well-being, and unlock powerful tax savings. On average, businesses save $620 per eligible employee per year in FICA taxes, while employees enjoy preventive health benefits at no out-of-pocket cost.
Healthcare doesn't have to be expensive or complicated. The Ignite Plan makes preventive care affordable, accessible, and beneficial for both businesses and employees. This isn't a loophole — it's a proven, fully IRS-compliant strategy used by businesses nationwide.
How the Ignite Health FICA reduction plan works for employers
Breaking the Stigma
Healthcare doesn't have to be expensive or complicated. Ignite Health makes preventive care affordable, accessible, and beneficial for both businesses and employees.
- ✓ Rising healthcare costs
- ✓ Employee burnout & absenteeism
- ✓ Low employee retention
- ✓ Limited access to preventive care
- ✓ Compliance risks in benefits programs
What to Expect
- 01 ConsultationWe review your current setup, employee count, and payroll structure.
- 02 Customized PlanTailored to your team size and goals — we design the right structure.
- 03 ImplementationSimple rollout with minimal HR burden. We handle the heavy lifting.
- 04 Ongoing SupportCompliance, reporting, and employee engagement throughout the year.
How the Ignite Plan Works
- → Employers contribute through payroll adjustments.
- → Employees gain access to preventive care at no cost.
- → Employer saves on FICA taxes while improving workplace health.
- → Win-win strategy for retention, satisfaction, and cost savings.
Program Benefits at a Glance
- ★ $620 average annual savings per employee
- ★ No-cost preventive care for employees
- ★ Tax-compliant solution
- ★ Better employee satisfaction and retention
Why Choose the Ignite Health Plan?
Smart savings, healthier employees, and seamless compliance — all in one program.
Could Your Business Qualify?
- You employ 5 or more W-2 employees
- Your business has been operating for at least 1 year
- You pay employer-side FICA / payroll taxes
- You're open to a free, no-obligation assessment
Free business assessment · No commitment required · Powered by IgniteHealth.com
Start Saving While Supporting Your Team
Unlock an average of $620 in tax savings per eligible employee each year and give your staff the preventive care they deserve — at no out-of-pocket cost to them.
See how this program can lower your business expenses, create meaningful tax savings, and provide valuable preventive care benefits to your employees — all with minimal disruption to your existing plans and HR workflows.
Estate Planning
Your legacy matters. Estate planning ensures your wishes are honored, your family is protected, and your assets go where you want them to — without lengthy court processes or unnecessary taxes.
We partner with Trust & Will to deliver simple, affordable, and attorney-approved estate planning documents — all from the comfort of your home.
"Every family deserves a plan — not just the wealthy."
Estate planning isn't just for the ultra-wealthy. If you own a home, have savings, or want to protect your family from a difficult probate process — you need a plan. Our partnership with Trust & Will makes attorney-approved documents accessible to everyone.
- ✗ State law dictates who inherits your assets
- ✗ Probate can take 1–2+ years and cost thousands
- ✗ Your healthcare wishes may not be honored
- ✗ Family conflicts become more likely
Sell Your Life Insurance Policy
Did you know that if you own a life insurance policy you no longer need, you may be able to sell it on the secondary market for significantly more than the cash surrender value? This is called a life settlement — and it's often the best option for policyholders who would otherwise let a policy lapse.
We work with qualified buyers to evaluate your policy and find the highest possible settlement amount — turning an unwanted asset into real retirement income.
- Typically 4–8× the cash surrender value
- Policy must generally be $100,000+ face value
- Best candidates are age 65+ with health changes
- Works on term, universal, and whole life policies
- Free, no-obligation policy evaluation
Could You Qualify?
You may be a good candidate for a life settlement if you:
- Own a policy with a face value of $100,000 or more
- Are age 65 or older (or have experienced health changes)
- No longer need the coverage or can't afford the premiums
- Would otherwise let the policy lapse or surrender it for cash value
Group Health & Dental
Comprehensive small business health and dental plans from multiple carriers. Attract and retain great employees while keeping your benefits costs predictable. We compare plans across carriers to find the best coverage at the right price for your team.
- Group medical, dental & vision plans
- Multiple carriers compared
- Self-funded and fully-insured options
- Ancillary benefits: life, disability, FSA
Remote Care Solutions
Telehealth solutions for doctors, clinics, and hospitals looking to expand patient access and improve care outcomes. Powered by RemoteCareToday.com — connecting patients with the care they need from anywhere.
- Remote patient monitoring (RPM)
- Chronic care management solutions
- Telehealth platform integration
- For doctors, clinics & hospital systems
Not Sure Where to Start?
A free 20-minute consultation with Rodney will clarify exactly which services apply to your situation — and what to do first.
Social Security Optimization
Registered Social Security Analyst® (RSSA®)
Rodney has officially earned the RSSA® credential — a specialized certification that allows him to help individuals, families, and businesses optimize Social Security benefits and make informed financial decisions for retirement.
Most people don't realize that claiming Social Security at the wrong time can mean losing out on thousands of dollars in lifetime benefits. Most Americans claim too early — often because no one ran the numbers for them. As a certified RSSA®, Rodney provides expert guidance so you can make the best financial choices.
We analyze your complete earnings history, anticipated health needs, spouse's benefit options, and retirement income picture to identify the optimal claiming strategy. Whether it's a spousal coordination approach or a delayed benefit strategy, we make sure you maximize what you've earned. Let's schedule a consultation — there's no obligation, and the insight could be worth tens of thousands of dollars.
The Stakes Are High
The difference between claiming at 62 vs. 70 can exceed $100,000 in lifetime benefits for many Americans. Social Security is complex — and the government won't tell you the optimal time to claim.