Insurance for the version of your life where nothing goes as planned.
I help families and self-employed professionals build the financial floor that stays intact even when income doesn't — coverage sized to your actual risk, not a round number a calculator spit out.
Three kinds of protection people put off until they can't.
Every recommendation starts with your actual numbers — income, dependents, debt, business structure — not a product I'm trying to move this quarter.
Life Insurance
If something happened to you tomorrow, would your family's plans survive the month, let alone the decade? I size coverage to actual obligations — mortgage, tuition, dependents — not an arbitrary multiple of salary.
Disability Insurance
One in four of today's 20-year-olds will experience a disability before retirement. Most people insure their house before they insure their ability to earn the money that pays for it. This is the coverage almost nobody has.
Estate Planning
Beneficiary designations, trusts, and the paperwork nobody wants to think about — reviewed and coordinated so your family isn't guessing, or fighting, when it matters most.
This work started with my father's job site accident.
I was nineteen when my father — self-employed, no W-2, no safety net — fell on a job site and couldn't work for eight months. He didn't have disability coverage. Nobody had ever told him he needed it. Our family's plans didn't get touched by the fall itself; they got touched by the eight months after it.
That's the gap I specialize in now — not retirement accounts, not investment returns, but the unglamorous layer underneath all of it: what happens to a family's plans if the income behind them disappears, for a while or for good.
I'm independent, which means I'm not selling whichever carrier's product pays me best this quarter. I'm matching coverage to your actual situation — and I'll tell you plainly if you don't need something.
No pressure, no product pitch on the first call.
Three conversations, roughly two weeks, before anything is in place.
Conversation
We talk through your actual risk — income, dependents, debt, self-employment status — not a generic questionnaire.
Coverage plan
I put together specific policy recommendations, priced and compared across carriers, explained in plain language.
In place & reviewed
Once coverage is active, we revisit it annually — life changes, income changes, and your plan should change with it.
Let's talk about what your family actually needs covered.
No obligation on the first conversation — it's just a chance to figure out whether there's a gap worth closing.