If you're sick & tired of riding the highs and stomaching the lows of your hard-earned nest egg...OR...

if you're scared to death to even get on it...Have we got news for you!

You DON'T have to ride the Rollercoaster to grow your money!!  

Our OTR strategies utilize compound interest accounts, with ZERO market risk guaranteed but with potential for double-digit growth year after year, providing for TAX-FREE access to funds in retirement AND while you're still working.  Great options for Qualified accounts as well.

Specializing in:

• IULs (Indexed Universal Life) for personal or business purposes.

• Be Your Own Banker strategies for debt-reduction, wealth accumulation or business growth

• FIAs (Fixed Indexed Annuity) for participation in Market GAINS but never the losses.

• MYGAs (Multi-Year Guaranteed Annuities) for those who want Guaranteed growth

• Term, Whole Life, Accidental life insurance to protect families & transfer wealth

• 401k Rollovers, IRA Transfers & Roth Conversions

• Kids and Grandkids Policies