We help you determine how much life insurance you need, which company and plan best suits your goals, and which company will make the best offer based on your overall health profile. We help you compare additional features that can protect your family if you were to become disabled or needed to access the death benefit to pay for long-term care.

We help you determine the amount of disability insurance you need, which carrier and plan is right for you, and how different provisions of the contract may affect your ability to receive benefits. We help review the various types of definitions (Own Occupation vs. Regular Occupation), which company will make the best offer based on your current and past medical history, and explain the different policy features and riders.

We help you review what long-term care is, what the likelihood is that you and your family will need to provide care for a loved one, and how much long-term care can cost. We then review the different types of plans available and how they work (Traditional, Hybrid Life, Perm Life + LTC Rider, Annuity + LTC Rider). We help determine which solution works for you based on your overall health profile.

We help you review how different annuity options work (SPIA, Variable Annuity, Fixed Guaranteed, Index, Medicare) and whether they should be included in your overall financial plan. We review the different features of each annuity and how their features compare to other planning options. This helps you develop an implementation and management plan for your strategy.

Many of our clients have existing policies that have not been reviewed in years. Policies should be reviewed at a minimum every 3-5 years to make sure their performance is keeping pace with your financial goals. 

Our team of professionals can help you review an existing policy or strategy to determine if any changes need to be made.

Below are our Primary Carrier Partners. We also have access to other carriers outside of this list. Our partnership allows us to find tailored solutions for your insurance needs.

These Practice Standards are intended to:

Assure that the practice of financial planning by CERTIFIED FINANCIAL PLANNER™ professionals is based on established norms of practice, advance professionalism in financial planning, and enhance the value of the financial planning process.

Statement of Purpose for Financial Planning Practice Standards

"Financial Planning Practice Standards are developed and promulgated by Certified Financial Planner Board of Standards Inc. (CFP Board) for the ultimate benefit of consumers of financial planning services."

Jerry graduated from Ohio University College of Business with a bachelor’s degree in marketing.  Jerry is a CERTIFIED FINANCIAL PLANNER™. Jerry is licensed to sell Life & Health Insurance, Property & Casualty Insurance, and Variable Products.

Jerry started his career in the insurance business in 2004.  Jerry's skills include risk management planning, business risk planning, long-term care planning, and underwriting. Jerry has presented to various industry professional groups on advanced planning and underwriting topics.  Some of these groups include; NAIFA, FPA, SFSP, and IBNO.

Jerry loves playing and listening to music. His favorite artists include Bruce Springsteen, John Prine, New Orleans music, and various Honky Tonk style artists. When Jerry isn’t jamming you can find him playing Hockey (beginner) or out on the links playing golf.

On behalf of our entire team, I'd like to say thank you for choosing us as your insurance planning team. We pride ourselves on doing whats best for our clients and hold ourselves to a fiduciary standard, doing whats in your best interest at all times.

Our team follows the CFP® Board's Financial Planning Practice Standards of Professional Conduct. This means putting your best interests first at all times.

Thank you for choosing us.

- Jerry C. Thomas, CFP^®