Health & Wealth Architecture
Comprehensive personal balance sheet and healthcare risk management. We deploy institutional fiduciary strategies across Medicare, principal-protected annuities, life and executive capital, major medical, and global emergency evacuation under Florida 2-15 authority.
Medicare Advisory
Medicare Advantage (Part C), Medigap Supplements, Part D prescription strategies, and veteran MA-Only giveback optimization.
Principal Protection & Annuities
Fixed (MYGA), Fixed-Indexed (FIA), Defined-Outcome Buffers (RILA), Variable sub-accounts, and guaranteed lifetime income pensions.
Life & Executive Protection
Indexed Universal Life (IUL / Section 7702), Key Person corporate indemnity, Buy-Sell agreement funding, and high-limit term leverage.
Individual & Family Health
On-exchange ACA marketplace subsidy optimization, private underwritten non-exchange plans, and sole proprietor 1099 structures.
Supplemental & Living Benefits
Lump-sum Critical Illness & Cancer cash payouts, Accident expense indemnity, Hospital confinement (HIP), and standalone PPO Dental/Vision.
Global Medical & Evacuation
High-limit international major medical, private ICU air ambulance evacuation back to U.S. trauma centers, and maritime cruise coverage.
Corporate Employee Benefits
Small group major medical (1–50 employees), Level-Funded claims surplus refund models, ICHRA tax-free reimbursement plans, and voluntary group dental, vision, and disability.
Request a Comprehensive Health & Wealth Audit
Our independent advisory desk evaluates your personal balance sheet, retirement timeline, and medical risk profile to model an optimal risk-mitigation strategy.