What Keeps You Up At Night?
You're never too small to put a plan in place for your business. You don't have to be a fortune 500 to put a key person, buy/sell, disability, or pension plan in place for you and your business. You can be a one person plan or you can be a fifty person plan.
Inquire! See what's out there. We can develop a plan to include you, your business, and your team.Helen Ornellas
On Life – Executive

Ep. 43 – “What Keeps You Up At Night and More! with Trevor Patching”
In this episode, I’m joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in our

Ep. 42 – “Disability Insurance And Income Protection with Dennis Carlson”
In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages

Ep. 26 – “What is a Mental Health 5150?”
In this twenty-sixth episode, I am re-releasing episode 10 to emphasize the importance of understanding what a Mental Health 5150 is. You will hear from

Ep. 25 – “How A Health Advocate Advisor Can Help: Part #2”
In this twenty-fifth episode, I am re-releasing Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee talked about

Ep. 24 – “Insights From A Health Advocate Advisor: Part #1”
In this twenty-fourth episode, I am excited to re-release episode 7. In this episode, I had the chance to be joined by Renee Balcom, a

Ep. 22 – “Are You a Business Owner? Things falling Through the Cracks?” Ben Godinez from VensureHR- Has Answers!
In this episode, I am talking with Ben Godinez, a Business Consultant at Vensure Employer Services. He is passionate about helping small businesses grow by solving
Our Services
Life Insurance
Income Protection
Income Protection
Income Protection Insurance is a type of insurance policy that pays out a regular income if you become unable to work due to an illness, injury or disability.
Buy/Sell Agreement
Buy/Sell Agreement
Buy/Sell Agreement is between partners or co-owners that outlines terms for buying a partner's share in the event of death, disability, retirement, or other circumstances.
Key Person
Key Person
A life insurance policy taken out by a business to protect against financial loss if a key employee or executive dies or becomes unable to work.
Business Loan Guarantee
Business Loan Guarantee
A life insurance policy taken out by a business to guarantee the repayment of a business loan in the event that the business owner dies or becomes unable to work.
Executive Bonus
Executive Bonus
A type of cash bonus plan that allows employers to provide key executives with additional compensation in a tax-efficient manner.
Estate Planning
Estate Planning
The process of organizing your assets and finances in order to minimize taxes and ensure that your property is distributed according to your wishes after your death.
Special Needs
Special Needs
A life insurance policy that is designed to provide financial support for a person with special needs after the death of a caregiver.
Retention Planning
Supplemental Executive Retirement Plan (SERP)
SERP
A type of retirement plan that provides additional benefits to top executives beyond what is offered through a company's regular retirement plan.
Short Term Incentive Plan (STIP)
STIP
A performance-based bonus plan that provides employees with additional compensation based on meeting short-term goals or objectives.
Deferred Compensation Plan
Deferred Compensation Plan
A type of retirement plan that allows executives to defer a portion of their compensation until retirement, often with tax advantages.
Funding Options Available
Funding Options Available
Various methods that businesses can use to fund executive benefits, including employer-paid plans, employee-paid plans, and split-funded plans.
Long Term Disability
Personal & Professional
Personal & Professional
A type of Long Term Disability policy that provides coverage for both personal and professional needs, such as business debts or buy-sell agreements.
Multi-Life
Multi-Life
A type of Long Term Disability policy that covers multiple individuals under a single policy, often used by businesses to provide coverage for multiple employees.
Buy/Sell
Buy/Sell
Buy/Sell Agreement is between partners or co-owners that outlines terms for buying a partner's share in the event of death, disability, retirement, or other circumstances.
Overhead Expense
Overhead Expense
A type of disability insurance that provides coverage for the overhead expenses of a business in the event that the business owner becomes unable to work.
Long Term Care
Personal
Personal
A type of insurance that provides financial support for care in the event of a chronic illness or disability.
Life with Long Term Care Rider
Life with Long Term Care Rider
A type of life insurance policy that includes a rider for long-term care, providing financial support for care in the event of a chronic illness or disability.
Single Premium Life – Long Term Care Rider
Single Premium Life – Long Term Care Rider
A type of life insurance policy that includes a rider for long-term care, with a single lump-sum payment for the policy.
Multi-Life
Multi-Life
A type of Long Term Care policy that covers multiple individuals under a single policy, often used by businesses to provide coverage for multiple employees.