Personal and Business Consulting Services


What We Can Do For You

Our team focuses on minimizing your tax liability. We endeavor to identify the money that you have no idea you’re losing because you likely don’t completely understand how wealth management works. You incur no expense for our team performing this analysis because we do not charge a fee. Once we have identified these losses and tax liability, you do not have to increase your risk tolerance in your current portfolio to enjoy this newfound money.


Free Consultation

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.

Financial Balance

Our vision is to offer concepts, methods, and products that assure financial balance and peace of mind for everyone we touch.

A Personal Approach

Taking a personal approach to each client based on their unique needs, our mission is to help them clarify their goals and realize their dreams based on their needs and wants.

Financial Planning

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


Become Your Own Banker

The most outstanding positive of the become your own banker concept or process is the sheer improvement in liquidity or cash flow. The value of a whole life insurance policy acting as collateral is far more liquid than, for example, equity in real estate, because the loan can be taken out more quickly and the individual can secure cash in hand faster and usually at lower interest rates 


A Secondary Market Annuity (SMA) is a transaction where an annuity owner sells his or her future income stream from an annuity to a third party for a one-time payment. Typically, these annuities are income streams that originate from events like lottery winnings or lawsuits. The person who owns the annuity has agreed to a guaranteed payout over time…

Collateral Account

When you use life insurance as collateral for a loan, your personal property and assets are protected. If you can’t repay the loan, you don’t have to worry about losing your home, car, or other belongings – which is often the case with secured loans. Life insurance collateralized loans can be even more affordable than an unsecured loan with a high-interest rate. 


The Home Equity Conversion Mortgage (HECM) is an FHA insured reverse mortgage and is the safest and most popular type of reverse mortgage on the market. HECM’s are the only reverse mortgage insured by the federal government through the Federal Housing Administration (FHA), a division of the Department of Housing and Urban Development (HUD).


Why should you consider Whole Life Insurance in retirement planning? Simple, life insurance can help. Most folks are under the impression that once your kids grow up and leave the nest that’s finally been paid for, you won’t really need life insurance but you can actually use permanent life insurance for retirement planning.


Section 72(t)(2)(A)(iv) provides, in part, that if distributions are part of a series of substantially equal periodic payments (not less frequently than annually) made for the life (or life expectancy) of the employee or the joint lives (or joint life expectancy) of the employee and beneficiary, the tax described in section 72(t)(1) will not be applicable.

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Curt Gibbs

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Curt GibbsWith each client, Structured Wealth Strategies will 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.

Structured Wealth Strategies is an association of independent business, legal, and financial professionals dedicated to helping people understand the challenges and opportunities that finances have on their lives.

Each associate at Structured Wealth Strategies has extensive experience in their respective profession and has used the concepts, methods, and solutions they promote to resolve financial challenges in their own lives. They focus on helping people build and protect their money using “Specialized” financial instruments, concepts, and methods.

My name is Curt Gibbs and I invite you to contact our office to discuss your financial situation. (800) 595-1130

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Manchester, TN 37355
(800) 595-1130