Term, indexed universal, whole life, kids coverage, and accident protection — matched to what your family actually needs.
Explore life insurance
Premium-financed indexed universal life that amplifies retirement benefits beyond what traditional plans reach.
Visit Kai-Zen Central
Index, immediate, and deferred annuities that turn savings into income you can't outlive.
Explore annuities
Buy out the IRS's share of your IRA now so every dollar of future growth belongs entirely to you.
See conversion strategies
Group and individual coverage found by a dedicated specialist — plus free professional business valuations.
Explore health plans
Protect and transfer what you've built, avoid probate, and save thousands in legal fees.
Plan your estatePhil's career spans three decades — from mid-90s institutional trading in San Francisco to senior advisory roles at Merrill Lynch — now focused entirely on GenFi 360 clients.
Insurance, retirement income, taxes, and estate plans are one connected system — we build them together so nothing works against anything else.
It starts with a 20-minute call: plain answers, trusted guidance, and no obligation. You'll know your options before you commit to anything.
The carriers and platforms we work through — go straight to the tool or quote you need.
Instant-issue life insurance quotes with no medical exams — coverage in minutes.
Get a quote
Model what premium-financed indexed universal life could add to your retirement.
Open the estimator
Estimate a tax-advantaged wealth transfer to your children with the GWT calculator.
Run the calculator
