We help our clients learn about the problems created by “Life’s Surprises” and the effects that those surprises have on American families. We provide solutions to those problems by fitting our clients with the exact product and protection they need.
We can help you customize your insurance payments to fit your budget. We can also help you FIND money in your current spending to make it work better for you.
We understand that starting your retirement planning early is important. Our flexible insurance policies can be tailored to fit your budget and goals. Even if you don’t have a family to protect, the living benefits are there for your future needs and retirement.
This is the best time to start! Permanent life insurance allows you to save money within the policy. Your savings grow safely and without being taxed, and they can be paid out tax-free when needed.
You have a choice of keeping or replacing your current insurance. Within financial underwriting limits, you can probably add a new type of insurance that offers more benefits while you’re still alive, so you can use it before you pass away.
There are benefits that help you while you’re alive, even if you don’t have dependents. You can change your coverage as your situation changes.
We have a variety of programs available that can even insure people with health issues. You might be surprised & pleased!
Families with young children need “life insurance you don't have to die to use” because statistics show that, during our working years, we are more likely to suffer a sickness or disability than to die prematurely. If you should suffer a triggering event, "Life Insurance You Don’t Have to Die to Use" will allow you to access the death benefit, so you won't have to worry about how you are going to pay your mortgage & bills, and you can focus on getting better!
We can customize your premium to fit your budget & needs. And we might even be able to help you find a way to pay for the new insurance without enlarging your budget!
You don’t have to replace what you already have, rather, you could add on to what you already have with the new kind of insurance that you don’t have to die to use. It has living benefits that protect you when you don’t die, and other financial benefits as well.
We have a variety of programs that can help you save money for retirement and allow you to access your retirement funds tax-free!
Due to inflation, many people nearing retirement are underprepared. That puts them at risk of running out of money and having to return to work. Over 80% of retirees in the USA face this issue. We realized this ourselves a few years ago and began searching for solutions to this nationwide problem. Now, we can teach you how to move forward confidently with a simple assessment of your financial situation and easy strategies to guide you through the process.
We have educational programs and tools to help you get on track, and to teach you how to become a financial educator for yourself and others.
Our products have the protection of a "Zero Percent Floor" to protect you from market loss. That means your money will grow strongly when the market is up, and when the market tanks, though you won't make money, at least you won’t lose!
We can align you with experts in financial planning to help you learn tax strategies. Did you know that the money grown inside a Life Insurance policy is tax-deferred, and that the Death Benefits are Tax-Free?
We have programs that you can offer employees as a benefit and incentive to work for (and stay with) your company.
We can have a financial planning session to understand first your needs and budget. We have business alliances and mentors to help.
We believe in giving our clients the knowledge they need to make confident, informed decisions about their financial future. By providing education on life’s financial challenges and the protection options available, we empower families to take control of their future with certainty!
We know that every family’s situation is unique. That’s why we are committed to offering personalized plans that address each client’s specific needs, ensuring they receive the right level and right type of protection for their financial well-being.
We believe in building relationships based on trust and transparency. Our clients rely on us for honest guidance and the highest standard of service, and we are dedicated to upholding that trust at every step.
Warren and Henedina started their journey as husband and wife 36 years ago. Henedina already had a 2 year old son, whom Warren adopted, and they became an instant 3-member family. Years later, they would add two more boys...and now have 3 granddaughters!
Like most young couples, they were very optimistic about their future and the potential that a TWO income household would provide for their future goals. Well, at least they were optimistic! But the constancy of inflation and the difficulty of "getting ahead of the game" while living in Hawaii made them ask: "What do we have to do to be financially successful and be ready for retirement?" Thus began their journey into the financial services industry.
Warren has over 20 years of experience in the financial services industry and is passionate about helping families secure their futures. His expertise and dedication ensure that clients receive the right guidance to achieve their financial goals.
Henedina brings a wealth of knowledge in both health and life insurance, making her a valuable resource for clients seeking to protect their families. With over 20 years of experience, she is committed to educating and supporting clients with personalized solutions.
Our Mission Together: We strive to provide caring, supportive, and passionate service, ensuring that each client receives the best solutions for their unique needs.
"Discuss your Needs and Goals" (Education in both directions). You teach us about your problems, concerns, and needs, and we’ll teach you about the various financial vehicles that will allow you to overcome them in the best way!
We’ll guide you through the available options, empowering you to select the solutions that align best with your financial goals and personal preferences.
We are committed to providing you with ongoing support as your needs evolve. This includes a comprehensive policy summary, yearly reviews to assess your progress, and prompt answers to any questions you may have along the way.
Relationship-Based Values
Trusted by over 200+ families
20+ Years Experience in Finance Industry