Scottsdale fiduciary advisors who help you evaluate and implement the right life and long-term care protections—without over-insuring or buying products that fight your tax/withdrawal strategy.
Retirees and pre-retirees (generally $100k+ investable) who want their income plan backed by the right life and long-term care protections—without over-insuring or buying products that fight the tax/withdrawal strategy.
Term or permanent coverage where appropriate—sized to your actual survivor income needs, not one-size-fits-all rules.
Traditional LTC, hybrid life/LTC options, or self-funding strategies—modeled into your overall retirement plan.
Applications, underwriting coordination, policy delivery, and secure digital vault storage for your policy copies.
Check coverage against life changes and your updated plan—premium reminders and beneficiary reviews included.
Timeline: Typically, clients see their complete plan documented within 1-2 meetings, with most implementations finishing within 10-15 days.
Capture existing policies, premiums, riders, ownership/beneficiary details, and what coverage is meant to do.
Quantify survivor income needs, healthcare/LTC scenarios, and tax/estate constraints—so coverage supports your plan.
Life: term vs. permanent. LTC: traditional vs. hybrid. Medicare: Original + Medigap vs. Advantage.
Coordinate applications and underwriting; when issued, we confirm beneficiary/titling and fund the policy.
Premium reminders, annual reviews, and coverage updates when life changes.
We're fiduciaries first—insurance serves the plan, not the other way around.
Coverage is a tool—it should work with your income and tax strategy, not against it.
We model actual needs—not generic rules like "10x income."
We review existing coverage first and recommend keep/adjust/replace.
Life, LTC, and Medicare decisions integrate with your full retirement picture.
Coverage needs change—we check beneficiaries and amounts each year.
Insurance analysis and planning are included in ongoing advisory services
If you implement through SG Insurance & Estate Services LLC, the insurer may pay commissions to the agency
We analyze and recommend—you decide whether to implement or keep existing coverage
Quick way to get started! Great for initial conversations and follow-ups.
Secure screen-share from anywhere—review proposals and illustrations together.
By appointment only—our Scottsdale office for face-to-face meetings.
No. We'll analyze your existing coverage and recommend keep/adjust/replace—buying is optional. Many clients find their current coverage is sufficient once we right-size their needs.
We provide education and timing guidance (FRA/IRMAA awareness, IEP/SEP enrollment periods). You can enroll directly or through your chosen broker; we can refer if you'd like.
If you implement a policy through SG Insurance & Estate Services LLC, the insurer may pay commissions to the agency. Your agent does not get paid a commission. This structure removes the conflict between agent pay and your best interest.
Yes—traditional LTC policies, hybrid life/LTC options, and self-funding strategies all modeled into your plan. We help you understand the trade-offs and pick what fits your situation and budget.
Yes—signed copies live in your secure digital vault (encrypted, access-controlled). Keep originals with you, but we'll have backup copies available if needed.
Schedule a no-obligation call to see if your current coverage supports—or fights—your retirement plan.
Instant download + email copy