¹ If it stopped tomorrow
Disability, critical illness and life coverage sized against what you actually owe and who actually depends on you. Not a round number. Not a multiple of salary someone read in a manual.
Licensed life & A+S — wealth coaching
Most people are insured covered
there is a difference, and it costs people everything
A policy is a receipt. Coverage is whether the thing actually holds when your family has the worst year of their lives. I do the unglamorous work of finding out which one you’ve got.
The whole problem, in two columns
What you were sold
What you actually needed
A number someone guessed at
A number tied to your mortgage
Coverage that ends with the job
Coverage that moves with you
A policy nobody has read since
A review every time life changes
A product, sold once
A plan, maintained for decades
Your family finding out the hard way
Your family finding a folder
The Instruments
Three questions. Answered properly, once, and then kept honest.
² What you’re building
Coaching on the machinery underneath the money — cash flow, the order you kill debt in, the savings rhythm you’ll actually keep. Plans fail on habits, not arithmetic.
³ What outlives you
Estate and wealth-transfer structuring, worked through with your accountant and lawyer, so the people you love inherit a plan instead of a filing cabinet and a guess.
How it works
Four conversations, then a plan you can actually read.
01
The map
Thirty minutes, no cost. What you own, what you owe, who depends on you, and what keeps you up at night. Nothing is sold in this meeting.
02
The gaps
I go away and stress-test what you already have — group benefits, existing policies, corporate structure — and come back with what holds and what doesn’t.
03
The build
We choose the structure together, in plain language, with the trade-offs on the table — including the option to do nothing.
04
The review
Life changes — a birth, a business, a separation, a move. We revisit on a set rhythm so the plan keeps matching the life.
Who you’d be working with
I got licensed because of one mechanism almost nobody gets shown properly.
Participating whole life insurance. Specifically, what it can do when it is structured as a place to hold and reach your own capital — not as a death benefit your family collects and you never see.
Most people meet whole life as something a salesperson pushed at them once, and they said no. I met it as a mechanism: guaranteed cash value you can borrow against on your own terms while the policy keeps doing its work. The strategy is often called infinite banking. It is not magic and it is not for everybody — it asks for a long horizon and consistent funding, and the dividends that make it compelling are not guaranteed. But where it fits, it does something no other instrument does, and I got tired of watching people never be told it existed.
Straight answers
The questions people are too polite to ask.
What does this cost me?
Usually nothing directly. When a policy is issued, the insurer pays me a commission that is already built into the premium rather than added on top of it. If I ever propose a planning fee, you will see the number in writing before we start. Ask me what I earn on anything I recommend and I will tell you.
Are you going to pressure me into buying something?
No. Some of these calls end with me telling someone they already have what they need and there is nothing to do — and that is a fine outcome. I would rather be the person you call in five years than the person who sold you something this month.
I already have coverage through work. Isn’t that enough?
Sometimes it is. Worth knowing the specifics though: group coverage is usually capped at a multiple of salary, it generally ends when the job does, and it is not underwritten on you personally. That means it can disappear at the point in your life when replacing it is hardest. Read what yours actually covers before you rely on it.
Which companies do you represent?
I place business through The Gryphin Advantage, a managing general agency. Today that gives me access to Assumption Life and Equitable Life of Canada, and I am adding carriers as the practice grows. If only one company can serve your situation, I will tell you that, and I will tell you why.
What happens to my personal information?
I collect only what is needed to advise you, and — if you decide to proceed — what the insurer needs to assess an application. That goes to the carrier and to my MGA, and nowhere else. I do not sell it. You can ask to see what I hold, correct it, or withdraw consent at any time.
Start here
A conversation, not a pitch.
Thirty minutes. We map where you actually stand, what you’re protecting, and what’s missing. You leave with a clear picture whether or not you ever become a client.
No cost. No obligation. No product talk unless you ask for it.