Your Free Financial Check-Up:
Stop Guessing. Start Knowing.

Life is complicated. Your financial plan shouldn't be.
We check every policy, every year, for free.

You wouldn't drive your truck for five years without an oil change, right? But most folks let their financial plan run on fumes for decades! Your family grows, your income shifts, and your health changes. **The plan you set up five years ago is probably leaving you exposed or, worse, costing you too much.** We offer a zero-pressure, **100% free review** of every policy and financial asset you own.

Our goal isn't to sell; it's to be your second set of eyes. We hunt down unnecessary expenses, find coverage gaps, and make sure your money is positioned correctly for the years ahead. It's the simplest 45 minutes you'll spend all year for true peace of mind. **Schedule your free review today.**

"We aren't here to scare you, but sometimes a good review is like checking the cellar door in a tornado warning. You just need to know if you're covered."

The 6 Major Areas We Review For Free

Retirement Income Gaps

Are you running toward retirement or running out of runway? We check your landing plan.

  • **The Risk:** Checking if you're exposed to market loss right before (or during) retirement.
  • **The Fix:** Analyzing guaranteed income sources vs. your monthly needs.
  • **Bob's Wisdom:** "Don't count your chickens before they hatch, and don't count on market returns until they're in the bank."
Review My Income Plan

Estate & Legacy Planning

We confirm your wishes are legally binding and protected from probate.

  • **The Risk:** Outdated beneficiaries on life insurance or bank accounts.
  • **The Fix:** Ensuring assets are properly titled to avoid delays and taxes for your family.
  • **Bob's Wisdom:** "A will is only as good as the last time you read it. An old one is worse than none at all."
Review My Estate Plan

Life Insurance Performance

Does your coverage still cover the mortgage, or is it running on empty?

  • **The Risk:** Permanent policies **lapsing** because they aren't performing as expected.
  • **The Fix:** We run an **In-Force Illustration** to ensure coverage lasts the distance you paid for.
  • **Bob's Wisdom:** "Life insurance is the promise you keep even after you're gone. Don't let a clerical error break that promise."
Review My Life Policy

Medicare & Supplemental Health

Your prescriptions and doctors change. Your plan must change too. Yearly.

  • **The Risk:** Staying in the same plan, even after it dropped your favorite doctor or increased drug co-pays.
  • **The Fix:** We check your meds against every plan during AEP to find the *absolute cheapest* option.
  • **Bob's Wisdom:** "Medicare is like a buffet—you gotta know where the good food is, or you'll end up paying too much for crumbs."
Review My Medicare

Tax Efficiency & Asset Positioning

Are you letting Uncle Sam take an extra bite out of your savings?

  • **The Risk:** Having too much money sitting in tax-deferred accounts (like a 401k) that will crush you in retirement taxes.
  • **The Fix:** Strategies like Roth conversions and using tax-free alternatives to balance your wealth buckets.
  • **Bob's Wisdom:** "Taxes are the only crop that grows itself. We’ll show you how to build a fence around your field."
Review Tax Positioning

Long-Term Care Protection

The single biggest threat to your retirement nest egg is healthcare cost.

  • **The Risk:** Long-term care costs bankrupting a spouse or liquidating all non-retirement savings.
  • **The Fix:** Reviewing your strategy to cover potential nursing home or in-home care without touching your retirement savings.
  • **Bob's Wisdom:** "It’s cheaper to buy an umbrella before it starts raining. Don't wait until the need is staring you in the face."
Review My LTC Strategy

The Cost of Doing Nothing is Always Higher.

We’ve seen it all: the accidental tax penalty, the ex-spouse inheriting the IRA, and the permanent life policy that quit working. These mistakes aren't rare—they happen every day because no one takes a moment to review. **Your free check-up is the best insurance policy you'll ever get against these silent financial threats.** Don't let a small oversight turn into a disaster later.

"Folks who are 'too busy' for a 45-minute review are the same ones who find three hours to call us when the barn is already on fire."

Frequently Asked Questions

Is this really 100% free with no obligation? +

**Absolutely.** We mean free. Our job is to earn your trust by showing you value first. If everything is perfect, we’ll happily tell you so. If we find a gap, we’ll show you how to fix it, and *you* decide the next step. No high-pressure sales here. Bob doesn't tolerate that.

What if I bought my policies from another agent or company? +

We review policies from **any carrier, any agent.** The policy belongs to you, and we are happy to act as your unbiased second opinion to make sure it's performing as promised. This is a common and easy service for us to provide.

How can I prepare for this free review? +

Simple! We actually have a dedicated page just for preparation. Just scroll up and click the link to the "Your Annual Review" page in the navigation! It's easier than you think.

Ready for Peace of Mind?

Get your free policy review now—it's the smartest few minutes you'll spend all year.

Schedule My Free Review Now

Or call us today to chat: (660) 351-3736