Avalon Legacy Group helps families, federal employees, and business owners use cash value life insurance for tax-free wealth transfer and lifetime retirement income.
Serving individuals, families, federal employees, and business owners.
We use properly structured life insurance to move money out of taxable and tax-deferred buckets into tax-advantaged, protected positions, without losing control of your cash.
Term, whole life, and indexed universal life, chosen for your goals.
Use cash value life insurance as your own private financing system.
Pay down debt through a properly designed cash value policy.
Pass assets to the next generation income-tax free, with liquidity for estate needs.
Social Security, pensions, TSP, life insurance, and lifetime income annuities working together.
Planning built around FERS, CSRS, TSP, survivor benefits, and FEGLI.
Fund college while protecting your retirement savings.
Use a life insurance policy to secure real estate and business loans.
Make sure your family keeps the home if something happens to you.
Plan for the cost of care without draining retirement savings.
Key person, buy-sell, and executive benefits to protect the company and your family.
Protect your income and business continuity if you can’t work.
We start with your family, business, and goals, not with products.
We clarify your financial picture, goals, time horizons, and concerns, and review your existing policies and assets.
We model scenarios, then design strategies using whole life policies from mutual insurance carriers.
We review regularly to monitor performance, adjust funding, and keep the plan aligned as life changes.
We partner with CPAs, tax strategists, estate planning attorneys, investment advisors, and other life insurance agents to serve clients together.
A 20–40 minute conversation about your goals. Plain explanations, no jargon or pressure.