Break Free From Debt and Take Control of Your Financial Future
You don’t have to live paycheck to paycheck or feel weighed down by endless loans. We help individuals and families eliminate debt quickly—without refinancing, without adding extra payments, and without changing your lifestyle. Using a strategic cash value insurance plan, we create a proven system to pay off debt, save money, and build lasting wealth—all without losing control of your money.
Pay Off Debts Faster
Stop letting interest eat away at your money. Learn how to accelerate debt payoff using proven strategies that free up cash and help you achieve financial independence sooner.
Smart Cash Flow Strategies
Take control of your monthly income and expenses with a personalized plan. Discover how to redirect wasted interest and put that money back in your pocket.
Build Savings While
Paying Off Debt
Why wait until you’re debt-free to save? Learn how to grow savings and reduce debt at the same time—without taking on more risk or stress.
Stay Debt-Free for Life
Getting out of debt is step one—staying out is the goal. We’ll show you how to create a sustainable plan that keeps you financially free for the long term.
Meet Your Plan Advisors
Melat & Kimani
The clients we help experience relief and confidence knowing they have a clear plan to eliminate debt without adding new loans or refinancing. They regain control of their finances, save thousands in interest, and create a path to financial freedom—so they can focus on building the life they truly want.
What Clients Say
Andrew Simmons
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My Whole Life Policy turned into a powerful tool for eliminating debt. I was able to use the cash value to pay off high-interest loans while my wealth continued to grow. It truly feels like having my own bank
Adam Shaffer
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My wife and I run a small business and had no idea how a life insurance policy could help us become our own bank. There’s so much confusing information online, but after responding to one of Melat’s posts and learning more, everything finally made sense. I’m so glad we did—these guys really know their stuff!
Lisa Montgomery
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Knowing my Whole Life Policy includes living benefits gives me incredible peace of mind. If something unexpected happens, I’m covered financially. It’s more than life insurance—it’s a safety net for my future.
Top Carriers We Work With To Serve You
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Descriptions are for informational purposes only and subject to change. Limitations may apply. Benefits and carriers will vary for coverages and are subject to underwriting approval, product limitations, and availability. Benefits are not available in all states. Please note that and its representatives do not provide investment advice or securities transaction services. Our focus is solely on retirement and life insurance planning.