Our Services

Comprehensive Financial Planning

True financial security requires a comprehensive, coordinated strategy-one that aligns all aspects of your wealth to support your long-term goals. At InsuranceKO, we deliver tailored, integrated financial plans covering all facets of your financial life, so you can face the future with confidence.

Our comprehensive solutions include:

Retirement Planning: Develop sustainable income strategies tailored to your lifestyle and future goals, ensuring lasting financial peace of mind.

Tax Efficiency: Implement proactive financial strategies to minimize your tax obligations, maximizing the value of every dollar you earn and invest.

Wealth Preservation: Build a robust strategy designed to grow and protect your assets, allowing your legacy to benefit generations to come.

Asset Protection: Safeguard your wealth against unforeseen life events, protecting you and your family from financial uncertainty.

Partner with us to secure your financial future and achieve lasting peace of mind.

Tailored Insurance Solutions

At InsuranceKO, we understand that your insurance needs aren’t one-size-fits-all. With decades of expertise and deep relationships with the industry’s leading carriers, we deliver customized coverage for life’s unexpected moments.
Whether it’s life, disability, or long-term care insurance, strategic life settlements, or safeguarding your financial security during major life transitions like divorce or loss of a spouse, InsurancekO provides solutions that truly fit your unique situation.
Our Services Include:

Divorce & Loss of Spouse Protection:
 I Strategic solutions designed to safeguard your assets and financial security in challenging life events, such as divorce or loss of a spouse.

® Life Insurance:
 Customized coverage designed to protect your family and your legacy.

Life Settlements:
 Turn your existing life insurance policies into immediate cash if your needs or financial goals have changed.

Disability Insurance:
 Protect your income and financial stability if illness or injury prevents you from working.

Long-Term Care Insurance:
 Comprehensive coverage that ensures dignity and financial security during prolonged care.

Divorce & Loss of Spouse Protection:
I Strategic solutions designed to safeguard your assets and financial security in challenging life events, such as divorce or loss of a spouse.

Business Planning & Succession Strategies

For business owners, strategic planning isn’t just important-it’s essential. At InsuranceKO, we offer expert guidance and tailored solutions to ensure your business thrives today and remains successful for generations to come.

Our comprehensive services include:

Buy-Sell & Continuity Planning: Establishing clear agreements to maintain your business continuity in the face of unexpected events or transitions.

Business Exit Strategies: Structuring the sale of your business to maximize profitability while effectively minimizing your capital gains taxes.

Succession & Legacy Planning: Customized guidance for seamlessly transitioning leadership, preparing the next generation, and safeguarding your legacy.

Tax Efficiency Strategies: Optimizing your tax situation to significantly reduce tax burdens associated with business transactions and ownership transitions.

Risk Protection: Comprehensive planning to protect your assets, finances, and business value during major life changes such as retirement, divorce, or the loss of a partner.

With decades of experience, our team helps you confidently navigate these critical decisions.

SETARA – Self-Employed Tax & Retirement Analysis

Self-employed professionals, entrepreneurs, and independent contractors face unique challenges when planning for retirement. At InsuranceKO, we simplify the complexities of retirement planning and tax optimization, helping you to build financial security and confidently achieve your retirement goals.

Our specialized services include:

Proactive Retirement Roadmap: A clear, actionable plan that ensures you’re on track for a comfortable and secure retirement.

Customized Retirement Roadmaps: Detailed analyses tailored to your specific financial goals, clearly outlining your optimal path toward retirement.

Social Security & Earnings Analysis: In-depth modeling of how various earning scenarios impact your future Social Security benefits and overall retirement strategy.

5 Tax-Efficient Savings Plans: Strategies to leverage tax-advantaged retirement accounts such as SEP IRAs, Solo 401(k)s, and Defined Benefit Plans, helping you maximize savings while reducing current tax liabilities.

Payroll & Self-Employment Tax Strategies: Insights on effectively structuring your business to optimize payroll taxes, preserve income, and enhance your retirement contributions.