Protect the Income, Assets and People You've Worked to Build Your Life Around.
Retirement, insurance and financial risk planning should not be a collection of unrelated products. The pieces should work together.
TUSK helps individuals, families and business owners evaluate strategies for retirement income, life insurance, long-term care, disability income and business protection—with the objective of identifying the risks that could disrupt the financial plan.
Financial Planning Changes When the Risks Change.
Building wealth is only part of a financial strategy. The other question is what happens when retirement begins, income stops, health changes, a business loses a key person, or a family loses someone it depends on.
TUSK focuses on those financial pressure points and helps evaluate strategies designed to address them.
Annuities & Retirement Income Planning
Retirement changes the objective from accumulating assets to determining how those assets may support spending throughout retirement.
We evaluate guaranteed-income strategies, fixed and indexed annuities, MYGAs, qualified retirement assets and other approaches designed to help coordinate income, liquidity and risk.
Explore Annuities & Retirement Income →Life Insurance
Life insurance can protect more than a death-benefit number. Properly designed coverage may help address income replacement, family obligations, estate needs, business risks and other financial responsibilities.
TUSK evaluates term and permanent insurance strategies based on the financial need the coverage is intended to address.
Explore Life Insurance →Long-Term Care Planning
A need for extended care can become both a health event and a significant retirement-income event.
We evaluate ways to prepare resources for care while considering retirement assets, family responsibilities, traditional long-term care coverage and insurance-based strategies.
Explore Long-Term Care Planning →Disability Income Insurance
For many working professionals and business owners, the ability to earn an income is one of their largest financial assets.
Disability income insurance can replace a portion of earnings when a qualifying illness or injury prevents someone from working, subject to the policy's definitions and provisions.
Explore Disability Income Insurance →Life Insurance + Long-Term Care Benefits
Certain life insurance policies may include benefits designed to address qualifying chronic illness or long-term care needs while the insured is living.
These strategies may be worth evaluating when both legacy protection and potential future care needs are part of the plan.
Explore Life Insurance + LTC Benefits →Annuities + Long-Term Care Benefits
Certain annuity designs may provide retirement-income or asset-protection features while also offering enhanced benefits when qualifying long-term care conditions are met.
The appropriate structure depends on liquidity needs, financial objectives, eligibility and the specific contract.
Explore Annuities + LTC Benefits →The Product Is Not the Starting Point.
Before discussing a particular insurance or retirement product, the more useful questions are:
What Are You Protecting?
Income, retirement spending, family security, assets, a business, legacy—or some combination of them?
What Could Disrupt the Plan?
Market losses, longevity, death, disability, extended care needs, liquidity demands or business risks?
What Resources Already Exist?
Existing insurance, investments, retirement accounts, pensions, Social Security, business assets and available cash flow all matter.
Business & Executive Risk Planning
A business can create wealth while simultaneously creating financial concentration. Owners may need to consider risks that do not exist for a traditional employee.
Business Continuity
Evaluate how the death or disability of an owner or key employee could affect revenue, operations, ownership and the people who depend on the business.
Buy-Sell & Key-Person Planning
Insurance may provide funding for properly structured buy-sell arrangements or help address the financial impact of losing a key person.
Executive & Owner Protection
Business owners and highly compensated professionals may have income, retirement and protection needs that extend beyond standard employee benefits.
Retirement Strategy
Retirement-plan design, personal retirement assets and business value should be evaluated together when the business represents a significant part of an owner's financial future.
Existing Policies Deserve a Second Look.
Financial circumstances change. Insurance contracts change. Interest rates, policy values, beneficiaries, retirement goals and family responsibilities change as well.
An existing policy should not automatically be replaced. The first step is understanding what you already own—its guarantees, costs, benefits, riders, values and how it fits your current financial plan.
Start With the Risk. Then Evaluate the Strategy.
You do not need to know which insurance product or retirement strategy you need before speaking with TUSK.
We begin with your objectives, existing resources and the financial risks you want to address.