We're helping you minimize multiple types of risk, in one solution.
One-Time Repositioning
Transfer money ONCE to protect your retirement distributions. Reduce reliance on monthly withdrawals.
A-Rated Carrier Partners
Your strategy is backed by a financially strong, mutually owned insurance carrier with decades of experience.
Multi-Risk Protection
Address market risk, tax risk, care risk, and liquidity risk together so a single event doesn't disrupt your retirement plan.
Create value in multiple ways
Tax Efficiency
Reposition funds in away that spreads taxable events over time and creates tax-advantaged outcomes during retirement.
Guaranteed Growth
Establish contractually guaranteed values that grow independent of market volatility and support
long-term planning.
True Long-Term Care
Create dedicated resources for extended care needs without relying on portfolio withdrawals or family support.
Insurance Benefits
Maintain truly permanent insurance protection that provides flexibility for care, liquidity, or legacy planning.
... with only ONE transfer of funds.
Compare how different approaches handle long-term care risk.
Traditional
LTC
Insurance
Traditional LTC insurance focuses solely on care coverage. Premiums are ongoing and may increase, and if care is never needed, benefits are typically lost. Coverage can become unaffordable later in life, creating uncertainty when risk is highest.
Hybrid
LTC
Insurance
Hybrid LTC combines insurance with long-term care benefits. If care is needed, benefits can be used; if not, a death benefit passes to beneficiaries. While premiums are often guaranteed, many designs still require large upfront commitments without addressing broader retirement tax or liquidity planning.
SmartLock™
Hybrid
LTC
SmartLock™ applies hybrid LTC as a retirement distribution strategy. A planned repositioning of assets spreads tax impact, eliminates ongoing premiums, preserves liquidity, and integrates care protection directly into the retirement plan so the solution works whether care is needed or not.
It's a simple process.
Consultation
We will walk you through the specifics of the SmartLock™ and help you with initial design.
Application
We'll help you submit a no-strings attached application to start the qualification process.
Underwriting
Medical and/or financial qualification for the plan is determined by the carrier.
Reposition Funds
Once approved, funds are transferred to the SmartLock.
Designed for retirement.
This approach is built specifically for the retirement years, when income, taxes, care needs, and access to money matter most. By using a one-time, intentional repositioning, protection is put in place without ongoing premiums and structured to work alongside your retirement plan over time.
