You're raising kids, paying a mortgage and building a career. We make sure one surprise can't undo it all.
Retirement is in sight. Now it's about protecting what you built and turning it into income you can count on.
Your business is your biggest asset. We help you keep more of what it earns and protect what it's worth.
Building a life in a new country takes courage. Your financial plan should give you confidence — wherever life takes you.
Yes — when it's structured the right way. Here's how.
Find out → 02It depends on what happens if they get a scholarship.
See the comparison → 03Good news for anyone who might relocate.
Find out → 04The short answer — and the honest one.
Read the answer →A free, one-on-one conversation. You'll leave with clarity — no pressure, no obligation.
Every plan starts with a conversation — and every engagement is complimentary to you.
We're compensated by the insurance carriers whose products you choose — never by a planning fee.
Income, debts, assets, coverage and taxes — the full picture.
We model your gaps and engineer the strategies that close them.
Fitted to your budget and timeline. You see every number first.
Regular reviews as life, income and tax rules change.
Balance what you pay now, later and never.
Strategies for employees and business owners.
Indexed life insurance strategies, structured for income.
Annuity income for life — no employer needed.
Move old plans into protected annuity strategies.
Coverage you can use if seriously ill.
Guardians named. Probate avoided.
Indexed life insurance for college, a first home or a business.
Two indexed strategies, each customised to your goals, timeline and budget — designed so your retirement money can grow without riding the market down.
Built on an indexed life insurance policy, customised to you.
Built on fixed and fixed indexed annuities.
Whether you move for work, family or back home, your plan isn't lost or frozen. Your policy or annuity stays in force, you can manage it online from anywhere, and you can take withdrawals or loans to your U.S. or home-country bank account.
Not available in restricted or sanctioned countries. Bank and payout options depend on the carrier, and your new country's tax rules may treat your plan differently — we review this with you before you move.
| Typical 401(k) | Indexed tax-free income | Annuity | |
|---|---|---|---|
| Taxes on withdrawals | Taxed as income | Tax-free if properly structured | Tax-deferred |
| Market losses | Can lose value | 0% floor | No market loss |
| Lifetime income | No | Possible | Guaranteed option |
| Protection for family | No | Built in | To beneficiaries |
| Fees & charges | Fund and plan fees | Policy charges | Contract charges; rider fees if added |
| Trade-offs | Withdrawals before 59½ may be penalized; IRS-required minimum distributions (RMDs) from age 73, or 75 if born 1960 or later | Approval subject to underwriting; works best when funded over time | Funds committed for a set term; limited early access; RMDs apply if held in an IRA |
These strategies aren't right for everyone — they work best when properly funded over time. We'll show you the real numbers, costs and trade-offs before you decide.
529 plans are a solid tool for education. But if your goals go beyond tuition — a scholarship, a first home, a business, or passing on wealth — it's worth seeing how the two compare.
| 529 college savings plan | Kids' plan (indexed life insurance) | |
|---|---|---|
| What the money can be used for | Qualified education: college, K-12 tuition (up to $20,000/yr), apprenticeships | Anything — college, first home, business, wedding, retirement |
| If your child gets a scholarship | Penalty waived up to the scholarship amount, but growth is taxed as income | No change — the money stays available for any goal |
| Financial aid (FAFSA) | Parent-owned 529 counts as an asset and can reduce aid by up to 5.64% of its value | Cash value is not reported as an asset on the FAFSA |
| Money not used for education | Income tax plus a 10% penalty on growth; limited options to switch to a sibling or roll up to $35,000 into a Roth IRA | Stays with your child and keeps growing |
| Passing on wealth | Designed for education, not as a legacy tool | Tax-free death benefit to the family, plus lifelong protection for your child |
| Market risk | Invested in the market — can lose value | Index-linked growth with a 0% floor |
| Trade-offs | Restricted to qualified education; market ups and downs | Approval subject to underwriting; builds best when funded over time |
Many families use both: a 529 for expected tuition and a kids' plan for everything else. We'll help you decide the right mix for your child.
Is this a scam? Is my money locked up? What does it cost? Read the honest answers.
A free, one-on-one conversation. You'll leave with clarity — no pressure, no obligation.
A lot of people have had a bad experience with financial sales — so we'd rather you hear it straight, before we ever meet.
Many banks and large corporations hold cash-value life insurance as an asset on their own balance sheets — for its stable, tax-advantaged growth and protection.
We use the same principles for families: growth that doesn't ride the market down, tax advantages, and protection built in.
Our retirement and kids' strategies use indexed products with built-in protection, issued by highly rated insurance carriers — and that's exactly what makes the guarantees possible. They can combine tax-free income, protection from market losses and protection for your family in a way a single investment account can't. We'll always show you how they compare with a 401(k), IRA or 529.
Our planning is complimentary. We're compensated by the carriers whose products you choose. Products themselves include charges, which we explain in full before you decide.
Life insurance–based strategies require underwriting approval. Many carriers offer simplified underwriting, and some approvals take as little as 24 hours. Annuities generally don't require medical underwriting.
Your policy or annuity stays in force and can be managed online, with withdrawals or loans paid to a U.S. or home-country bank account. Not available in restricted or sanctioned countries, and your new country's tax rules may differ — we review this with you before you move.
Yes. An old 401(k) or 403(b) can often be rolled into an annuity strategy without tax when done as a direct rollover. We'll review your options and any trade-offs first.
Yes. You'll get a clear picture of where you stand. What you do with it is entirely up to you.
A free, one-on-one conversation. You'll leave with clarity — no pressure, no obligation.
Assign a unique code to each referral source. When a booking comes in you see exactly which code brought them. Clients never see or enter these codes.
chesterconsulting.netlify.app/book?ref=FLYER01 — each booking from that link is tagged automatically in your log.
| Booked | Name | Phone | Date | Time | Interest | Referred by | Source | Promo code | Zoom sent | ||
|---|---|---|---|---|---|---|---|---|---|---|---|
| No bookings yet. | |||||||||||