Turn Your Wealth Into Reliable Retirement Income Without Risking It in the Market.

─ NEXT STEP

Is This The Right Fit For You?

This is not for everyone. We work best with individuals who have at least $5

million in liquid assets and are serious about building a retirement income

strategy that will last. If that describes your situation, we would welcome the

opportunity to have a conversation.

This is not for everyone. We work best with individuals who have at least $5 million in liquid assets and are serious about building a retirement income strategy that will last. If that describes your situation, we would welcome the

opportunity to have a conversation.

ACCEPTING CLIENTS WITH A MINIMUM OF $1 MILLION

IN LIQUID ASSETS

ACCEPTING CLIENTS WITH A MINIMUM OF $5 MILLION IN LIQUID ASSETS

"The people who were most affected were those who had the most to lose, but were positioned no differently than someone with a fraction of their wealth."

$10M

Portfolio value before a 30–40% market decline

What you planned to retire on

$6M

Remaining portfolio after a major drawdown at retirement

The income you counted on is no longer sustainable

2008 & 2020

This is not hypothetical, it has happened

The lifestyle you worked your entire life to afford was suddenly in question

─ THE SOLUTION

A Different Approach to Retirement Income

At Financial and Insurance Consultants, we do not place clients into off-the-shelf models and

hope the market cooperates. We build custom retirement income strategies using two distinct components.

COMPONENT ONE · INCOME FLOOR

Government Bonds & Treasuries

We purchase actual U.S. government bonds on your behalf. Not bond funds. Not ETFs that track bond indices. The actual securities, backed by the full faith and credit of the United States government.

─ Stable, predictable income stream

─ Completely independent of stock market performance

─ Regardless of what happens in the economy, your income is secure

COMPONENT TWO · GROWTH ENGINE

Academic Portfolio Management

Structured using Modern Portfolio Theory, developed by Nobel Prize laureate Harry Markowitz. This is the same model that Ben Keel teaches in the graduate financial planning program at Rice University.

─ Disciplined and data-driven

─ Designed to help your portfolio grow and outpace inflation over time

─ Delivers reliable income today while building wealth for the next generation

─ WHY THIS FIRM

Family Office Service Without the $50 Million Minimum

Most people with $5 to $50 million in liquid assets fall into an awkward gap. They have too much money for a standard advisor to give them the attention they deserve, but not quite enough to justify a full family office.

They end up at a wirehouse, assigned to whoever is available, and managed like every other account on the book.

We exist to fill that gap.