Our business is a family business. To me and Deborah, that means several things. We are a family working in the financial services business and our clients are either families or members of families. Even our corporate clients are families when you come right down to it. We specialize in life insurance and annuities which are nothing more than tools that are central to retirement planning, succession planning, asset protection and wealth transference. Many members of my family, such as my grandfather, were also in this business. I’ve worked with my father, uncles, cousins, siblings and some of our children. Deborah and I have many special relationships with our clients. It is especially gratifying to know we have provided important solutions and security in their lives.
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. Never giving up and always using our recent knowledge to help the next person, family or business are what define us. As the world has tried to commoditize our products and services, our value is 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 the best 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 make and maintain with our clients. Without relationships, we don’t have a business. We do our best to stay focused on helping our clients achieve their goals and objectives.
You can reach us by providing some basic contact information and we will get in touch with you. We are proud of the testimonials we’ve included on this site and we are happy to put you in touch with them.
Ted Bernstein is the founder of Life Cycle Financial Planners, LLC, a family business located in Boca Raton, Florida. He is responsible for providing the vision for the company. Ted has been a top producer and consistent innovator in the insurance industry. Ted was responsible for introducing life insurance without built-in commissions to the U.S. life insurance market. His contributions to the industry are diverse, including the development of many new products for carriers. Ted was first to provide fee-based policy audit services to fiduciaries such as The Northern Trust for their Trust Owned Life Insurance assets. 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 has been published in Insurance News Net, The National Underwriter, Best’s Review and Broker’s World. He has also been featured in business publications such as The Wall Street Journal, Fortune, Forbes and Inc. Magazine. Ted speaks out about the pressing issues facing the life insurance industry by continuing to be published on a regular basis.
Ted has served on many boards and executive committees to support community and social organizations. As a Trustee member of the Boca Raton Chamber of Commerce, he stays 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.
Sales and Marketing
As co-founder of Life Cycle Planners, Deborah brings 15 years of sales and marketing experience with Fortune 100 companies. Her sales expertise helps support the company’s in nearly every way. 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 owners of women owned businesses and single women in retirement, Deborah is passionate about helping women create a secure retirement through guaranteed income strategies.
Focusing on public relations and business development, Deborah helps Life Cycle Financial Planners contribute to the local community of South Florida. 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 the Bernstein Family Foundation, 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 and she is currently competing for Mrs. USA, 2017. As both a state and national pageant winner, she is committed to helping women of all ages live their best possible lives. Now, 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.