Michael FlowersCongratulations! You've taken the most important step toward achieving financial independence: realizing it is possible. This site will give you the confidence, knowledge, and resources to protect your most valuable asset: the ability to earn money, build wealth and optimize a retirement fund.


You are either insured against the risk posed by being unable to work for an indefinite period of time, or you assume the burden of being self-insured. My job is to help you decide the future you want.