We are a family working in the financial services industry and our clients are either families or individuals who are members of families. Even our corporate clients are families when you come right down to it. We specialize in life insurance and annuities. Actually, both are are part of the planning tools that are central to retirement planning, succession planning and wealth transference. Deborah and I have many special relationships with our clients and it is gratifying to know we have provided important solutions and security for their families.
The work we do and the way we do it has certainly changed over the years. No more “cold calling” and knocking on stranger’s doors. Many things are the same, of course. As the world has tried to commoditize our products and services, our value has become even more important. 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 and seek out capable professionals.
Like any profession and its professionals, hard work and dedication is what drives success. For our family, success is defined by the relationships we create and maintain with our clients. Without relationships, we don’t have a business. We are proud of the testimonials on this site and we are happy to put you in touch with existing clients.
Life Cycle Financial Planners is a family business located in Boca Raton, Florida. Ted has been a top producer and consistent innovator in the insurance industry for 25+ years. Ted was responsible for introducing 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 leader in the distribution of premium financing solutions for high net worth individuals, families and businesses, placing over $1B of death benefit in his career. With an intuitive sense of the issues and problems facing High Net Worth buyers of jumbo life insurance, Ted is uniquely qualified to assist those clients with their complex insurance needs.
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.
Deborah brings 15 years of sales and marketing experience with Fortune 100 companies. Her sales expertise helps drive sales and new business to the company in all areas. As a former Director of Sales for Hilton and Marriott Hotels, she is able to call on and implement many of the necessary processes and procedures that help us create the best client experience possible.
Working with civic and charitable organizations, Deborah helps the company form strategic partnerships. She is a respected activist in her community. A mother to four children, Deborah stays involved. 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 has excelled in local and 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, 2013″.
Deborah asks that you visit her social sites. They can be found at www.DeborahBernstein.com – www.facebook.com/queendeborah and www.stylishstella.com
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.