A different philosophy. A proven approach.
The name "82 Financial" comes from a simple but powerful question we ask every client: "What will you do when you're 82?"
Most retirement plans are built for the average — average returns, average lifespan, average spending. But retirement isn't average. It's deeply personal, and the risks that matter most tend to show up later, when you have the least ability to recover from them.
We think differently about retirement. Instead of hoping the market cooperates, we help clients build income streams that are guaranteed, tax-free, and completely insulated from market performance.
The strategies we use aren't new — they've been around for over 160 years. What's new is that most financial advisors don't use them. We do.
Three principles guide everything we do.
Conventional planning asks you to hope the market performs. We believe retirement income should be built on contractual guarantees, not projections.
We explain exactly how every product works, what the costs are, and why we recommend it. No fine print surprises.
We only recommend what genuinely fits your situation. If a strategy isn't right for you, we'll tell you — even if that means we don't do business together.
You may have heard of Universal Life (UL), Variable Universal Life (VUL), Indexed Universal Life (IUL), or Guaranteed Universal Life (GUL). We don't sell any of them — and we're direct about why.
These products have surrender charges, interest crediting mechanisms tied to indexes or market returns, and internal cost structures that can erode value over time. Their projections are often illustrated at optimistic rates that don't materialize. See our deep dive: The IUL Cash Value Trap.
Dividend-paying whole life insurance — the only product we use — has a 160+ year track record of continuous, uninterrupted dividend payments through every major financial crisis in modern history. We'll take that over a projection any day.
We serve clients across the country in the following states:
No pressure, no jargon. Just a real discussion about whether what we do might be right for you.
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