We Serve Civil Servants

Meticulously crafted insurance plans to safeguard you, your family and your assets against the challenges of long-term chronic illness

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Our Services

Take control of your financial future by generating more wealth, paying less tax and protecting your money.

Infinite Banking

The Infinite Banking Concept (IBC aka privatized banking) is about saving your money in a smarter more tax efficient manner than using a traditional bank or credit union ...

Long Term Care

Seventy percent of Americans who reach the age 65 will need long term care at some point - but few are prepared to pay for it ...

life insurance

Cash value Life Insurance can be used as an asset in a diversified investment strategy or as a hedge in an investment plan. It is a flexible financial tool  often misunderstood by the general public ...

Annuities

Thanks to the Pension Protection Act of 2006 (PPA) annuity -based products funded with after-tax  (non-qualified NQ) money receive distinct tax advantages. Qualifying LTC expenses are distributed tax free ...

 



Our mission is straightforward

Safeguarding our clients and their loved ones through uncertain times with reliable guarantees and predictable outcomes.

Four Secure Financial Strategies

Guarantees

Should work regardless of market conditions. Yearly growth. Never lose money.

Liquidity

Liquid cash. Easily accessible. Can be used for whatever you want.

Protection

Your money is private and protected from loss. Protected from creditors, lawsuits, bankruptcy.

Tax-Free

Tax-free use of money now and in retirement. No tax reporting. Reduce taxes while increasing spendable cash flow.


The Core Benefits Advantage

What sets our strategies apart are the guarantees they give you and the solid foundation of real results that you can see.
 
Simple and safe are the best ways to describe our strategies. You’ll learn about time-tested financial principles, then get clear, exact steps to put those principles into action in your life today. Like a professional guide, we focus on the outcome you want.
 
Our true advantage? We’ve made this our life’s work. We know every strategy inside and out, so we can tailor the perfect solution to your unique situation.  You deserve peace of mind knowing your future is protected, no matter what comes.
 

A frequent insurance challenge for civil servants at retirement: Lacking permanent life insurance or long-term care coverage upon their separation date.

We specialize in Life Insurance planning and Long-Term Care (LTC) planning for civil servants (federal, state, or local government employees). This gives us a deep expertise and credibility that general agents can’t match. Over 80% of our cases are LTC-focused, while most agents see 1–2 cases per year.

“We don’t just sell LTC—we live it!”

Client Testimonials

“My family and I couldn’t be happier with your service, which is why I often recommend your name to others.  Based on the frequency my wife and I have worked with you over these past few years, we think of you more like family ...”
Randy & Melissa M., New Mexico
“He is patient and understanding while explaining how to build capital and become your own banker with the Infinite Banking vehicle, especially with those of us who do not possess an overabundance of financial savvy ...”
Derek C., Altadena, CA
“Lawrence went above and beyond every step of the way! Not only is he a phenomenal resource, but I've never felt that someone was so genuinely invested in my success. ..."
Melissa D., Los Angeles, CA

Are you ready to maximize your wealth potential?

Stop following the financial status quo. Change direction.
There’s a better way to save and invest your money.

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