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Products & Services

We provide a variety of insurance products and strategies to meet the needs of our clients.



Fixed and fixed index annuities can offer benefits for retirement including guaranteed retirement income, protection from market downturns, the potential to earn credited interest and more. We work with some of the highest-rated insurers in the industry to ensure that you have reliable and competitive products to meet your needs.

Life Insurance

Life insurance is often considered for protection of young families, but it can be just as valuable in creating a tax-advantaged retirement strategy, assuring transfer of wealth to future generations, or protecting and strengthening a small business. We work with a variety of highly-rated insurers offering a range of life insurance products that includes Fixed Indexed Universal Life, Term Life, Universal Life, and more.

Long Term Care Insurance

With annual costs of nursing home care running to potentially tens of thousands of dollars per year, you may be considering long-term care insurance. We provide access to competitive long-term care insurance policies through many of the industry's leading providers.

Social Security Analysis

Social Security is an important aspect of most people’s retirement income picture, but if you don’t have a claiming strategy, you could miss out on tens of thousands or more in lifetime benefits. As a service, we offer a no-cost Social Security Analysis using our powerful software to help you figure out the best time to claim in order to receive the highest possible benefit. We also offer complete Medicare Medical Assistance from Certified Medicare Advisors.


We also offer a powerful trading and investment software for clients who would like to keep a portion of their assets in the market. Please contact us directly to discuss this option. Please note that Stephen Cephas is not a securities-licensed advisor however the software is currently being used successfully with 7 major brokers.

Voluntary Employee Benefits

Voluntary Employee Benefits including ID Theft Protection at no cost to the employer.

Small Business Support Services

Through our relationship with, we provide access to a leading online small business resource that offers unlimited business consulting, software tools, business courses and mentoring sessions. If you’re a small business owner, this is an invaluable and affordable resource. We also offer cost effective personal or business legal assistance. We offer the absolute lowest credit card rates available in the industry and will guarantee that rate for 4 years in writing. We work with a company that will back that up with a $1,000.00 guarantee to the owner if we can't beat their current processing rate paid in 5 days.


It’s important to make sure you are properly protected in every area, especially when it comes to your retirement. We are here to answer your questions and provide you with the knowledge to make the best decisions for your financial future. Contact us any time for a no-obligation appointment to review your current policies.

Why Choose Us?

Our focus is not just on the bottom line. Our primary goal in working with clients is helping them find the products and strategies that fit their needs and offer the best opportunity to achieve retirement objectives. Our approach is informative and our practice is service-oriented.

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