We are a family owned business working in the financial services industry, located in Boca Raton, Florida. We specialize in helping high net worth and ultra high net worth individuals, families and businesses. Our areas of expertise revolve around life insurance and annuities, since both are are integral planning tools for retirement planning, succession planning and wealth transference. We have developed many special relationships with our clients and it is gratifying to know we have brought important solutions and security to their families.
The work we do and the way we do it has certainly changed over the years. Gone are the days of “cold calling” and knocking on stranger’s doors. While the world has tried to commoditize our products and services, our value has become even more apparent and appreciated. Insurance products are not sexy, there is not a great deal of organic demand for them and they don’t commoditize well. We work best with people who appreciate value, the quality of experienced professionals and innovation.
Like any profession, hard work, consistency and dedication are what drive success. For our family, success is defined not only by the work we do, but also by the relationships we create and maintain with our clients and their other advisors. Without relationships, we don’t have a business. We are proud of the testimonials on this site and we are happy to connect you with existing clients.
Ted has been a consistent innovator in the insurance industry for 25+ years. Early in his career, he designed and introduced fee-based life insurance to the U.S. life insurance market. His contributions to the industry are diverse, including the development of many new products for carriers. He has been a consistent leader in the distribution of premium financing solutions for jumbo life insurance owners, placing over $1B of death benefit in his career. With an intuitive sense of the issues and problems facing jumbo life insurance buyers, Ted is uniquely qualified to assist those clients with succession planning and income and asset protection. Focused on guarantees, Ted educates people in or near retirement about the under appreciated value of using high performance annuities to create guaranteed, lifetime income.
Ted speaks out about the pressing issues facing the life insurance industry by continuing to be published on a regular basis.
Throughout his career, Ted has been active on many boards and executive committees. As a local business in Boca Raton, Florida, he is connected to the issues facing fellow business leaders.
An alumni of both Northwestern University and the University of Wisconsin/Madison, Ted now resides in South Florida with his wife, Deborah Bernstein.
A licensed realtor since 2005 and a licensed life and annuity professional, Deborah brings her sales and marketing experience with Fortune 100 companies to help women understand the value of guaranteed lifetime income in retirement. Her sales and networking expertise helps drive sales and new business opportunities to the company. As a former Director of Sales for Hilton and Marriott Hotels, she uses many of her skills to help us create the best client experience possible. Specializing in the luxury market, Deborah also serves her clients and friends as a trusted real estate agent in the residential market in Southeast Florida.
Working with civic and charitable organizations for many years, Deborah helps the company create strategic partnerships. She continues to be a respected activist in her community. Through her four children, Deborah stays involved with a diverse group of community organizations, both locally and nationally . In various capacities, she has been of service to local Jewish Federations, the Cystic Fibrosis Foundation, the American Cancer Society, the Humane Society and the Jewish Guild for the Blind.
Deborah excelled in national pageants for more than 20 years. As both a state and national pageant winner, she is committed to helping women of all ages live their best possible lives. An accomplished author, Deborah wrote and published ‘Stylish Stella’s Magic Crown’, a children’s book that won the esteemed “Mom’s Choice Award″.
Eric, living in Austin Texas, is passionate about the mortgage industry while helping people understand the importance of proper financial planning, knowing the value of insurance-based solutions, and properly managing their wealth. He is a When Eric is not working, he is a dedicated sports fan, aspiring golfer, and an enthusiast of travel and cooking.
His strives to provide his clients with the most competitive and innovative products the market has to offer in both life insurance and property and casualty.