★★★★★
"Thomas and Jessica walked us through everything at our kitchen table. No jargon, no pressure. We finally feel like our retirement is actually protected."
★★★★★
"As a single-income household I was terrified we'd never have enough. The CAER team showed us a strategy that gave us guaranteed income we could count on."
★★★★★
"I already had a financial advisor. But they weren't talking about IULs or legacy planning. CAER plugged a gap I didn't even know I had."
Completely. There is no charge and no obligation to purchase anything. We believe in earning your trust before we earn your business.
An Indexed Universal Life policy grows your cash value linked to a market index — but with a 0% floor, so you never lose principal when the market drops. It grows tax-deferred and you can take tax-free loans from it in retirement. It's not right for everyone, which is exactly why we have the conversation first.
Absolutely. Many advisors specialize in stocks and mutual funds but don't offer insurance-based retirement strategies. We frequently work alongside existing advisors to fill gaps they don't cover.
Both. We are a fully virtual firm — Zoom or phone works great. If you're in our service area (KY, IN, VA, WV, GA, NC, SC), we're happy to come to your home.
We'll still send you our free retirement planning guide and educational resources. Many families return 6–12 months later when their situation changes — and we'll be here.
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