Insurance Planning for Retirement & Peace of Mind

A strong financial plan isn’t just about growing what you have—it’s about protecting what matters. Our insurance planning for retirement helps ensure that the wealth you’ve worked hard to build isn’t at risk due to the unexpected. Whether you need a life and long-term care insurance advisor or want a second opinion on coverage you already have, we’re here to walk you through your options with honesty, clarity, and no pressure.



From Jackson to Middleton and throughout West Tennessee, we work with individuals and families to build personalized insurance plans that align with their long-term goals. If you're approaching retirement or already there, this is the right time to evaluate what protection makes sense for your stage of life.

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Life Insurance That Supports Your Goals

Life insurance isn’t just about covering expenses when you're gone—it’s about supporting your family, your legacy, or your financial plan. We help clients use life insurance to:

  • Replace income for a spouse or family

  • Pay off debt or final expenses

  • Fund a tax-efficient estate strategy

  • Support charitable or legacy goals

Whether you're looking at term life, whole life, or something in between, we’ll help you understand how it fits into your bigger picture. As a veteran-owned business, we take seriously the responsibility of helping families protect what they’ve built.

Long-Term Care Insurance in Tennessee & Beyond

Long-term care costs are one of the most overlooked risks in retirement. A long-term care insurance policy can help cover the cost of home health aides, assisted living, or nursing care—without draining your retirement accounts. We help you weigh:



  • What coverage you might need based on health history and family

  • Traditional vs. hybrid policies

  • Premiums and benefit options that fit your plan

We’ve worked with clients from Middleton, Memphis, and nearby rural communities who want to plan ahead rather than react. If you're unsure whether long-term care insurance is right for you, we can help you run the numbers and talk through your options.

Disability Insurance: Because Retirement Isn’t Always the Finish Line

If you’re still working—or even semi-retired—you may still rely on your income. Disability insurance helps replace that income if you can’t work due to illness or injury. It's especially important for those in their 50s or early 60s who may not yet qualify for Medicare or full Social Security benefits. We help clients:

  • Review current disability coverage

  • Explore private policies if employer coverage is lacking

  • Understand how disability planning fits into retirement

Health Insurance Support for Individuals & Early Retirees

We also help individuals navigate private health insurance when transitioning off an employer plan—especially important for those who retire before 65 and need coverage before Medicare starts. Whether you’re comparing marketplace plans or COBRA options, we can help clarify your choices.

Let’s Talk About What You Need (Not What We Want to Sell)

We take a low-pressure, fully personalized approach to insurance planning. That means you’ll get straight answers, no jargon, and never a sales pitch. We’re here to help you evaluate what makes sense—not to convince you of what doesn’t.

Frequently Asked Questions About Insurance Planning

  • Do I really need long-term care insurance if I have savings?

    It depends on your income needs, family situation, and risk tolerance. For some, it’s a smart way to protect assets. For others, self-funding may be the right approach. We’ll help you weigh the pros and cons based on your full financial picture.

  • What’s the difference between term and whole life insurance?

    Term life covers you for a set number of years and is often more affordable. Whole life lasts your entire life and includes a cash value component. We’ll help you decide which option fits your goals best.

  • How are insurance advisors paid?

    We’re transparent about how we’re compensated and will explain any commissions or fees before you make a decision. There’s no cost to review your insurance options with us, and no pressure to buy.

Explore How It All Connects

Looking at the bigger picture? See how insurance fits into your broader retirement strategy.


Visit our Retirement Planning page to learn more.
Curious how insurance affects taxes? Check out our Tax Planning page.
Want to coordinate your investments with your insurance?  Learn more about our Investment Management approach.

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Your Financial Plan Should Include Protection, Too

We’re here to help you evaluate what kind of insurance fits your needs—not sell you something you don’t want.