Professional, Certified & Licensed Agents, Brokers & Consultants with 35 years of expertise servicing all Southwest Florida!

Dear Visitor,
Welcome to our Website!
By browsing through these pages, you will learn about our credentials, business philosophy, all the quality insurance products that we offer, the top rated companies we represent and the professional services that we strive to provide consistently to all our valued Clients.
This interactive portal also includes on-line calculators, articles, flip-books, glossary, newsletters, videos and even a tax library. We are certain that these resources and tools will be useful regardless of what stage in business and life you are currently in.
We offer COMPLIMENTARY Consultations, ON-GOING assistance and support as needed, plus FREE Annual Policy Analysis & Reviews.
Our Employee Benefits Consulting Team has over 35 years of expertise and a wealth of knowledge (including Human Resources Management)! We provide outstanding service, technology and tools to Business Owners / Employers with companies of all industries and budgets.
If you have any questions or there is anything that we can assist you with, do not hesitate to contact us.
Thank you for considering and recommending our value-added services!
Warm Regards,
Jim McCauley, CLU
CEO / Founder
Chartered Life Underwriter
Newsletters
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FAFSA for 2025-2026 School Year Opens December 1
Following a disastrous rollout last year, this article provides tips for submitting the redesigned Free Application for Federal Student Aid (FAFSA) for the 2025–2026 school year.
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Mixing It Up: Asset Allocation and Diversification
This article explains how asset allocation and diversification can work together to help mitigate portfolio risk.
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Making the Most of Your Credit Card
Credit cards are being used more than ever. This article offers suggestions for choosing and using a credit card.
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Fixed Annuities: Retirement Income for Now or Later
Purchasing a fixed annuity shifts the risk for future investment returns to the insurance company and could help create a pension-like income stream for retirement.
Calculators
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Lifetime Earnings
This calculator is designed to help you attach a dollar figure to your life’s work.
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LTCI Cost of Waiting
Estimate the potential cost of waiting to purchase a long-term care insurance policy.
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Cost of Retirement
Use this calculator to estimate how much income and savings you may need in retirement.