What to expect
This isn’t a sales call. It’s a working session built entirely around your numbers, your family, and your retirement timeline.
The specific moment work becomes optional — calculated from your assets and goals, not a generic estimate.
A clear picture of how much of your savings is exposed to a downturn, and how to fix it.
We’ll tell you honestly whether an IUL or fixed indexed annuity fits your situation — and exactly why or why not.
We stress-test your plan against rising tuition, inflation, and estate taxes to protect not just your retirement, but the next generation too.
60-Second Eligibility Check
If you qualify, you’ll be invited to book a complimentary 30-minute strategy call with Thomas & Jessica — directly on their calendar.
Client Stories
“Thomas and Jessica walked us through everything at our kitchen table. No jargon, no pressure. We finally feel like our retirement is actually protected.”
David M. — Louisville, KY
“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.”
Karen R. — Lexington, KY
“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.”
James B. — Indianapolis, IN
Thomas & Jessica Arnwine
We’re a husband-and-wife team, parents of six, and your personal financial architects. We built CAER on Faith, Family, and Financial Responsibility — because we know exactly what’s at stake. Every family we serve is an extension of ours. We work virtually or in your home, wherever you’re most comfortable.
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. But if you’re in our service area (KY, IN, VA, WV, GA), we’re happy to come to your home. Whichever you prefer.
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.
Yes — this is a cornerstone of what we do. Our Young Investors program teaches financial literacy and we offer several children’s policies to give your kids a generational head start.