WHO WE ARE

Derek Tharp, Ph.D., CFP®, CLU® is an insurance and financial planning expert. He has been quoted in publications such as the Wall Street Journal and New York Times. His research is published in numerous academic journals and he blogs regularly at the Wall Street Journal’s Experts Blog and Kitces.com.

LEARN MORE

WHAT WE DO

We provide insurance solutions for individuals and fee-only advisors. We focus on low-cost solutions that provide the protection our clients without expensive and complicated features that they don’t.

LEARN MORE

WHERE WE WORK

We assist clients locally in the Portland, ME, and Cedar Rapids, IA areas. Additionally, our virtual services allow us to work with clients remotely.

LIFE INSURANCE

Life insurance is important for protecting you and your loved ones in the event of an untimely death. Our insurance expertise allows us to guide you to a solution that fits your circumstances best.

ANNUITIES

Annuities can play a crucial role in establishing retirement income as part of a broader retirement income plan. While many annuity products have developed a poor reputation given their expensive and complicated features, we focus on annuity solutions that provide pure retirement income in a cost effective manner.

LONG-TERM CARE INSURANCE

Long-term care expenses can derail even the best of financial plans. Long-term care insurance can protect against this risk, but products can be expensive and complicated. Our expertise can help you find the right solution to fit your needs.

DISABILITY INSURANCE

Disability insurance provides crucial financial protection for you and your family in the event that your work is disrupted by a disability. We help our clients find the disability insurance products that address their unique goals and financial circumstances.

QUESTIONS ABOUT AN INSURANCE ISSUE? CONTACT US.

CONTACT US