Elena Sik
 Managing Director
 (657) 456-8116
Click Here to partner with us

Reduce your Health Care Cost & Save the Difference to Supplement Your Retirement

Get your retirement number using our Financial Check Up.

  • With LifePlan 360, we can help you to plan to be on track for retirement and much more!!!
  • Click here to see the LP360 overview.


LifePlan 360

An ultimate tools to help you plan for retirement & other life events such as:

  • College Funding
  • Wedding
  • Down Payment for New Home
  • and Other Major Purchases
Choose which plan fits your Family financial situation

We have 3 basic plans to help you with your need

  • Plan A - $1 a day for basic protection

  • Plan B - Redirect your savings to get better return and more benefits

  • Plan C - Combination of tax deductible, tax defferal, and tax free strategies

New Strategy for your savings

When it comes to long term savings, we suggest that you consider:

  • No Risk in the Stock Market with Competitive Returns

  • Inflation Hedge

  • Tax-Free Growth

  • Protect Your Family from Dying too soon, Living too long, and Becoming Ill

College Funding

Is College Education for your Children Important to You?  Learn how to qualify for More Financial Aid even if you make too much or have too many assets.

  • Our College Funding Specialists are friendly, effective and can help you qualify for More Financial Aid, at no cost. 

  • We save our clients thousands of dollars in college costs, which allows them to focus on applying to better and the right colleges.

Living Benefits

Traditional Life Insurance only protects your love ones when they die.  The new generation of life insurance comes with So Much More!

  • Protect yourself from the uncertainty of an untimely Terminal, Chronic, Critical illness or Injuries.  

  • Get cash to take care of immediate expenses when you need it most.

EZ Premium Financing Program

What is EZ Premium Financing?  Great for those with Higher Incomes.  You contribute 25%, and the rest is financed. This is No Credit Check Or No Income Verification. 

  • Your most valuable asset is Your ability to earn an income.

  • Protect your family against Financial Uncertainties.

  • Will help you to realize retirement sooner.

  • You will gain great upside potential growth in the Stock Market with no downside risk  -  Meaning there is No Risk.

  • You will have a Tax-Free income for the rest of your life.

Debt Elimination Strategy

Most of our clients see their current debts disappear in 9 years or less.

Ask yourself:

  1. Are you 100% certain you are going to be able to retirement?

  2. What if we could show you how to get out of debt in 9 years or less, without adding any change to your current budget?

  • Protect your family and love ones with ONE dollar a day from 500,000 to 1,000,000 dollars

  • Indexed Universal Life - New Kind of Life Insurance w Living Benefits & Cash Value w Tax Advantage

  • Indexed Annuity - Upside Potential Growth and downside Protection / Protect you from Living too long

  • Final Expenses Products - Simplified & Guaranteed Issued / Eliminates burden on your love ones

  • Mortgage Protection Plan - Your Home is probably one of your families greatest investments

  • LifePlan 360 - The Ultimate Tools for Retirement & College Planning & more keeping same lifestyle



  • product

    We came to one of the workshops about college funding.  We learned so much about the concept and how to help us to plan for our children to go to college.  The agent was very helpful with the process of redirect our funds.  We are now very comforatable with the recommended solution.  Jose and Jessica, Irving, TX.

  • product

    When we heard about the concept of protecting your family with $1 a day.  We were curious about what we can do with $1.  The agent showed us that we can get a $1,000,000 coverage.  We just had a 5 month old son.  We now have a peace of mind that he is protected if anything happened to us. We understand that it 's a temporary solution.  The plan is convertable to a permanent insurance down the road without any medical questions.  We are very happy with it.  Dan & Jane, Dallas, TX.


Will this happen to you?

The Greatest Retirement Crisis in
American History

"We are on the precipice of the greatest retirement crisis in the history of the world. We are witnessing millions of elderly Americans, the Baby Boomers and others slipping into poverty. Too frail to work, too broke to retire will be the 'new normal' for many elderly Americans."

The 401(k) Fallout

"The 401(k) plans that have become the primary source of retirement income for 60 million Americans were never designed to be retirement plans."

Why It's Time to Retire the 401(k)

"The ugly truth, is that the 401(k) is a LOUSY PRODUCT, a FINANCIAL FLOP, a ROTTEN REPOSITORY for our retirement reserves. In what must seem like a cruel joke to many, the accounts proved the most dangerous for those closest to retirement."

If the old way is not working, isn't it insane to KEEP DOING IT?

Problem #1: Risk

Our report shows how to participate in market gains but not participate in
market losses. Here's an example of some of the tools we use:

The Rule of 72

Simply take the number of 72 and divide it by the expected rate of return to determine the number of years it takes money to double in value.

How does this relate to Risk?

Just as interest is compounded over time, so are losses. See how a 5% loss in year 2 reduces the projected principal by 11.4% after 10 years.

Actual vs Average

We can all look to see what AVERAGE rate of return we've had over a period of time. But do you understand how this differs from ACTUAL rate of return?

These numbers can be drastically different and can effect your portfolio balance significantly.

Zero is Hero

Can you afford to ride this roller coaster?


$100,000 hypothetically invested in an indexed account in 1999 outperformed the S&P 500 index through 2014.

Problem #2: Fees

Our report shows how few of us know exactly what we
pay in fees and commissions.

Did You Know?

In an up and down market, fees can consume the majority of your portfolio leaving your retirement in shambles.

Even the department of labor weighs in on the subject. On their website, they warn investors that a 1% difference in investment fees can mean 28% less money at retirement.


"It's a crime that they are extracting somewhere around 3.5% to 4.8%, which is the lion's share of what the market returns on investments," says John Sullivan, a registered investment advisor. "Workers end up giving away half of their retirement savings."

-USA TODAY -8.25.09 Christine Dugas

Fees Kill Performance Over Time

See how $10,000 invested in 1970 with fees of just 1.5% results in a 24% account reduction in 20 years (1989) and a 45% account reduction over 44 years (2013).

"Rule #1: Never lose money.

Rule #2: Never forget rule #1."


- Warren Buffett

Problem #3: Taxes

Our report will show one of our retirement savings strategies that allows you to minimize taxes
as you accumulate AND access your savings. It allows you to access your savings before you
retire. It also allows you to bequeath your savings TAX FREE.

Four Phases of Retirement Planning

  Our Retirement Strategy
Contribution Taxed
Accumulation Tax Deferred
Withdrawal Tax Free
Transfer Tax Free

Since most believe future tax rates will be higher, does it make sense to defer taxes today, only to pay a higher rate in the future?

Would you rather pay taxes on seed or harvest?

The Deferral Trap

Since most believe future tax rates will be higher, does it make sense to defer taxes today, only to pay a higher rate in the future?

There is such a thing as TOO MUCH tax deferral. Deferred taxes simply mean INCREASED taxes!!

"As best I can judge, when the Baby Boom (generation) retires, WE ARE GOING TO HAVE TO EITHER RAISE TAXES VERY SHARPLY OR CUT BENEFITS IN HALF. No politician wants to confront this. And this is a very sad event BECAUSE WHAT'S AT STAKE HERE IS THE FISCAL STABILITY OF THE AMERICAN GOVERNMENT."

- Alan Greenspan


The 7 Risks might have great impacts on your Financial Outlook.

  1. Market Risk
  2. Inflation Risk
  3. Taxes
  4. Longevity Risk
  5. Catastrophic Illness Risk
  6. Legal Risk
  7. You - Are you prepared to deal with those risks?

We bring a personal and effective approach to guide you through your financial objective for health care, family protection, college funding, retirement, and estate planning.  One family at a time.


  • 16506 S. 164th street, Gilbert, AZ 85295
  • (657) 456-8116
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