Financial Planners and Agents

For You, Your Family, and Your Business 

 At Agency of America, Inc. we are proud of our unparalleled service and performance.  We are committed to providing unbiased advice and prudent strategies for finding your Unique Life Path - the best route from where you are to where you want to be.  Our services are always tailored to your unique needs. Contact us for a free, confidential financial consultation.  Our executive team, using some of the best financial products in the world, and backed by some of the oldest, strongest, and most renowned FMOs and insurance carriers in the world, stands ready to help you make the most of life, business, retirement, and legacy. 

    We provide a full range of stress-free solutions to financial questions and problems for: 

  • You:


    • The Power of NOW:  Should you wait to implement a plan or do it NOW, after consulting with your AOA representative?  The cost of waiting just one month is astonishing.  The cost of waiting one year is staggering.


    • Improve your life NOW - "Instantly", with Immediate Improvement™.  How?  It's easy -- the first step is to contact your AOA representative, who is fully trained and highly skilled in the science and art of helping you to find your best path from where you are now, financially, to where to want to be - your Unique Life Path™. 


    • Retirement As-You-Wish:  Would you rather retire as you wish, or as someone else, (or the IRS) dictates?  AOA can help you do it your way.


    • Tax-Free Retirement Income, or Taxable?  Which is best for you?  That sounds like a trick question, but it isn't. Depending on your financial circumstances and age, taxable vehicles may out-perform tax-free alternatives.  It depends on you and your circumstances.  The first step in finding out is a free, confidential consultation with your AOA representative.


    • Leveraging Retirement:  Which is best -- putting away a small amount each month to grow at compound rates, or putting in a large sum up front to grow at compound rates?   "Large lump sum up front" is the answer, but how?  AOA's Leveraging Retirement program is the answer.  A leveraged annuity or a leveraged Fixed Indexed Universal Life (FIUL) insurance policy might be best for you.  In some cases, annuity arbitrage or a SLAAB™ can work best. Contact your AOA representative for a free, confidential consultation.



    • IRA Conversions can provide tax-free retirement income free from many of the restrictions of Traditional IRAs.  Your AOA representative can explain the strategy for converting to a Roth IRA without out-of-pocket tax costs.


    • Leave a Legacy: You can endow your church, your school, or your favorite charity in tax-wise moves that can benefit you and your family while leaving your mark behind for future generations.  Your AOA representative can guide you through the process. 



    • Mortgage Protection:  If you died tomorrow, would you like for your mortgage to be paid off?  Or, would it be better if your spouse and children struggled on alone?  How would that affect college for your children or grandchildren?  AOA's Mortgage Protection plans can take that worry off your shoulders.  Time to call AOA's College Planning Specialists.


    • Total Protection:  "Total Protection" takes care of a broad range of financial problems that could arise when you're no longer around.  At the same time, it maximizes your estate right now with the Power of NOW.  Contact your Now Experts at AOA

    • College Funding:  Would you like to ensure that your children or grandchildren can pay for college when the time comes?  There is a plan that allows tax-free accumulation, and can be used for other purposes without penalty, if your child or grandchild gets scholarships and doesn't need the funds.  The plan can even provide tax-free retirement funds for you, or any other purpose you see fit, without penalties.  Contact us for more information about this exciting plan.


    • Estate Planning:  How much do you want to leave to the IRS?  If you have a substantial estate, you may be astonished at how much the IRS will demand when you pass away.  Proper planning now can ensure that the IRS bite will be as small as possible. 


    • Inheritance Equalization: Perhaps some of your children or grandchildren will want to work in the family business, but others may seek different professions.  How do you treat them all fairly, without selling the business?  AOA's Inheritance Equalization program is the answer.



  • Your Business:  AOA offers a broad range of business services to help you maximize your business returns over the years, while minimizing your stress level.  Here are a few of the many business services we provide:
    • Executive Compensation: The intelligent use of financial instruments within the proper strategies can provide tax-efficient executive compensation plans that fit the rules of the "Code" and human nature as well.  The result? Sound plans than help you attract and keep the best talent, and provide the smartest and fullest compensation for you.  After all, isn't the question not what you earn, but what you get to keep?  Contact AOA for a free confidential analysis.
    • Leveraged Retirement: Are you plodding away, slowly jumping over the small obstacle of each month's retirement plan contribution? Wouldn't it be better to POLE VAULT now to a really large sum in a retirement plan for you? And, wouldn't it be great for your business to get a tax deduction at the same time, and for the same transaction? And, wouldn't it be better for your cash flow to do all that for possibly less outlay than you are doing now? In addition to all that, would you prefer Tax-Free retirement income? The first step to your own personal Pole Vault is to schedule a free, confidential consultation with an AOA Representative. What is your cost of delay?
    • Business Succession and Transition: Business Succession and Transition can be a mine field for you and your heirs, if not done properly. If done properly, a good plan of succession or transition can be a great stress-reliever. Are you prepared? Are you sure? Here are few of the myriad questions that can arise when you or your partners sell, step aside, become disabled or incapacitated, exercise a buy-sell, or die: How much will the IRS demand? What is the true valuation of the business? How will the buy-sell be funded? Will my children get a fair shake from my partner's spouse? Only one of my children want to run the business; how can I equalize the inheritance for all my children? How can I make sure my spouse gets a fair share? Who will run the business if I become disabled? If I retire, what happens to the value of the business? These are only a few of the many questions that can arise and need to be answered for a successful business transition or succession. What are your questions? Consult with your AOA Representative to begin the process of planning to relieve your stress on this subject.
    • Key Person Insurance:

Our independent status allows us to serve you, without compromise.   Our recommendations are based on years of experience with a broad range of financial instruments, and are always designed to improve your financial condition.

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Our Commitment
At AOA, we treat our clients with courtesy and integrity. We guarantee realistic, honest advice that achieves results. We will lead you on a course to financial freedom. Our years of experience and notable expertise ensure that your financial future is in good hands.  Our First Rule is "The Client comes first."

Our consistent track record of uncompromising ethics instills confidence and trust. We bring unparalleled creativity to developing your Unique Life Path.  When you tell us where you are, and where you want to go, we chart the best course between the two. This means a better life for you and your family, and better long-term results for your business and your retirement.

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