Personalized planning for every stage of family and business life.
Insurance, college, and retirement planning — weighted equally for families and business owners. Every recommendation starts with your goals, not a product.
Protecting the people who depend on you.
Life insurance is really about the people in your life — your spouse, your kids, your team, the paycheck they count on. Whether we're protecting a household or the family behind a business, the right policy quietly does the heavy lifting if you're not there to. We'll walk through your options together and pick the one that actually fits.
- Replacing income for the people who depend on you
- Protecting a mortgage, a home, or an owner's family
- Leaving a meaningful legacy
- Planning for the unexpected — personally and professionally
Having insurance isn't the same as having the right insurance. The right coverage protects your family's or business's income and lifestyle if the unexpected happens, keeps a mortgage or debts from becoming a burden on the people you love, and actually matches your real situation — instead of being generic or one-size-fits-all.
Protecting the business you've built — and the people it supports.
Business owners carry financial risks employees never see. The loss of a key person, a partner, or an owner can put the whole business — and the families behind it — at risk. Business insurance is how you make sure that doesn't happen. We'll look at your ownership, your team, and your plans, and put protection in place that quietly holds everything together.
- Key person insurance — protecting against the loss of an owner or critical team member
- Buy-sell agreement funding — a pre-funded plan for a smooth ownership transition
- Business succession planning — thinking through who's next and how it's supported financially
- Coverage that protects your employees, your family, and the business's future
Everything here is an insurance solution offered directly through Melissa. We'll look at your ownership structure, your team, and your timeline, and build coverage around what would actually be at risk.
Protecting the paycheck everything else rests on.
Most people insure their home and their car long before they think about the income that pays for both. If an illness or injury kept you out of work for months, disability coverage is what keeps the bills, the mortgage, and the plan intact. For business owners, it can also keep the business running while you recover. We'll look at what you'd actually need and what's realistic for your budget.
- Replacing a portion of income if illness or injury prevents you from working
- Understanding what an employer plan does and doesn't cover
- Coverage options for self-employed owners and partners
- Business overhead protection so the doors stay open during a recovery
Planning for later care, before it becomes a family decision.
Extended care is the part of planning most families put off, and it's often what quietly reshapes everything else — savings, retirement timing, and who ends up providing the care. Talking about it early means the choices stay yours instead of falling to your children in a difficult moment. We'll walk through how coverage works, what it costs, and whether it makes sense for you.
- Thinking through what extended care could look like for your family
- Keeping care costs from derailing retirement or other goals
- Reducing the caregiving burden that often lands on adult children
- Comparing standalone and hybrid coverage approaches honestly
More than a savings goal — a real strategy conversation.
Preparing for college is about more than a savings target. It's the whole picture — timelines, options, and what each choice means for your family and, if you own one, your business's cash flow. We use SAGE Tuition as one planning tool to think through the possibilities clearly, so you can make decisions with confidence instead of guesswork.
- Timelines and milestones by age
- Understanding the real options in front of your family
- Planning tools including SAGE Tuition
- Coordinating college goals with the rest of your plan
Insurance-based income strategies for the life — or the exit — you want next.
Retirement planning is a long conversation, not a single decision. Whether you're an employee mapping out the next chapter or an owner thinking about how you eventually step away from the business, we'll talk through what you want that chapter to look like and how insurance-based tools — like annuities and protection against the costs that derail plans — can support it. It's an education-first conversation, not investment or account advice.
- Clarifying what you want retirement to look like
- Understanding annuities and other insurance-based income options
- Protecting retirement income from illness, injury, or care costs
- Adjusting the plan as life changes