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Our Consulting Services

We are in the business of helping people. We help individuals and families save money. We help businesses reduce needless risks. We help families preserve and protect their financial future.




Performance Analysis

We consistently take a personal approach with every client to determine their needs, goals, and dreams. We then determine through analysis if their current strategy will lead to realistically reaching their goals.

Financial Consulting

We build relationships, teach financial balance, offer safe money solutions, and teach a strategy of sustainable financial security with honesty, integrity, and service.

RoadMap & Planning

We develop a retirement income financial plan that maximizes assets, minimizes taxes, and guarantees the most inflation-adjusted income possible utilizing the fewest amount of assets.



Certainly, accumulating wealth is the primary goal for individuals and families who are saving for retirement and that’s actually the easy part. We help you understand that although accumulating wealth is important, how much you keep is critically more important.

We provide accurate case studies so you can see the benefit of our services rather than just having us tell you about our services.

We offer solid strategies that are designed to make your financial goals for retirement a reality rather than just a target that can easily be missed with products that lack the guarantees you’ll rely on.

We are deeply familiar with all of the retirement planning products available in the marketplace and are unafraid to point out those products that will likely produce a shortfall in your financial goals years in the future.

Finally, we’ll not have to discuss your risk tolerance because the solutions we offer are not subject to market losses and IRS constraints.

Our financial strategists will focus on the WHY rather than the WHAT and always identify the PROBLEM in order to offer a SOLUTION.

Book a Session with Curt

Curt Gibbs

how to use whole life insurance for collateral

Life Insurance Retirement Plan [LIRP] Pros and Cons

A life insurance retirement plan or LIRP is a powerful wealth accumulation tool used by individuals looking to build their own private pension plan and reduce their income tax liability during retirement. With the unreliability of social security and the uncertainty...
life insurance dividends

Life Insurance Dividends – Frequently Asked Questions

Life Insurance Dividends are payments that policyholders of permanent life insurance can receive from their life insurance company on an annual basis. The dividend amount you receive is calculated as a percentage of your policy’s value, and this percentage can...
life insurance riders

Life Insurance Riders 101

Optional additions to a life insurance policy, known as riders, can provide additional coverage or benefits not otherwise available. By personalizing your policy with riders, you can better suit your needs and those of your loved ones. Some riders will increase the...

OneAmerica | Company Review

OneAmerica is a leading provider of life insurance products, including term and whole life policies. The company offers a wide range of educational materials and tools on its website to help consumers make informed decisions about their life insurance needs. ...
how to use whole life insurance for collateral

How to Use Whole Life Insurance as Collateral

We receive many calls and comments asking how to use whole life insurance as collateral for a loan. If this interests you, keep reading. If you want to start a business or borrow money for another purpose, you could get help from an unexpected source: your life...

I highly recommend Curt, especially to young people just starting out!

Laurie W.

Curt has helped me, my parents, and my sister with diversifying our investments into products none of us knew even existed that provide more security than 401K/stock market investing alone. He is extremely knowledgeable, well-connected with providers of all kinds around the country, and will advise you honestly about the best approach for your situation. I highly recommend Curt, especially to young people just starting out. Start diversifying NOW to set yourself up for a more secure future!

Planning for Retirement? Talk to Curt!

Lewis O.

When Curt and I first talked, I was amazed at how he listened and learned about my financial situation.

We scheduled another call for a few days later and he delivered three really great options to help me keep my retirement savings rather than share it with the IRS.

If you are concerned about having enough money for retirement and are looking for an option that is conservative, risk-free, and tax-exempt, call Curt today and talk to him. He will listen.

You speak, he listens, and then provides the best options.

Andrew J.

Because I was inattentive to my traditional retirement plan and didn’t consider the tax consequences that would put a huge dent in my retirement income (found this out by accident), I was quick about contacting Curt since he was recommended by a trusted friend.

Curt gave me a solid hour on the phone (without interruptions) so I could explain my situation. Later that week, I reviewed the plan Curt recommended, signed the application, and I feel 100% better about retirement.

Get In Touch

Manchester, TN 37355
(800) 595-1130