Independent retirement & life insurance strategy
Money that doesn't go backwards.
Independent retirement and life insurance strategy for people who've already done the hard part — saving it.
Prefer to pick the time yourself? Book directly.
The problem, stated honestly
Three risks the saving years never taught you about
The sequence problem
A 25% drop at 35 is a buying opportunity. The same drop at 65, while you're withdrawing, can permanently shrink what your savings can pay you — even if the market later recovers. When losses happen matters as much as whether they happen.
The outliving-it problem
A third of retirements now run past 25 years. Most withdrawal plans are built on average lifespans and average returns — and you will not live an average life. Income that is contractually promised for life removes the guessing.
The leaving-it-behind problem
Most families are underinsured for the one event that is certain. Life insurance is the least glamorous part of a financial plan and the only part that shows up exactly when your family needs it most.
The floor and the cap
A decade where the market falls twice — and the account doesn’t
Hypothetical illustration. Not a prediction or guarantee of future results.
Hypothetical illustration. Not a prediction or guarantee of future results.
What we do
Two jobs. Done carefully.
How working with us goes
Four steps, no pressure at any of them
- 01
Conversation
Thirty minutes, phone or video. Where you are, what you're worried about, whether we can actually help. If we can't, we'll say so.
- 02
Analysis
We map what you have — accounts, pensions, Social Security timing, existing policies — and stress-test it against the three risks above.
- 03
Options
Two or three concrete strategies, with the tradeoffs of each written down in plain English. Including the option of doing nothing.
- 04
Paperwork
If something fits, we handle the applications, transfers, and carrier follow-up. You'll know where everything stands the whole way.
The first three steps cost you nothing. You pay us nothing directly at any point — if you implement a strategy, the insurance company pays us. You'll know exactly how that works before you sign anything.
Who we are
Independent, and structurally on your side of the table
OVO is an independent agency — we are not captive to any single insurance carrier. When one carrier's product is weak, we are free to say so and go elsewhere. That independence is the whole reason our advice is worth hearing.
Mychal Taylor
Principal
- Structure
- Independent agency
- Carrier appointments
- Multiple carriers
- First conversation
- No cost, no obligation
Talk to a person, not a pitch deck.
Thirty minutes. No cost, no obligation, and no follow-up sequence you didn't ask for. If we're not the right fit, we'll tell you who might be.