Why do you handle commission-based products like annuities?

We believe in having a complete toolkit to serve our clients. While we favor low-cost investments, there are specific scenarios where insurance products offer protections that standard markets cannot—such as guaranteed income streams or principal protection.

Additionally, many of our clients come to us with "legacy" policies—annuities or insurance purchased years ago elsewhere.

• Servicing Existing Policies: Rather than forcing you to sell these (which could trigger taxes or lose valuable guarantees), we can act as the agent of record to manage them as part of your broader plan.
• Holistic Planning: By maintaining these licenses, we can advise you on all your assets, not just the ones in a brokerage account.