Financial Products

Whether you’re planning for the long term or looking for ways to protect your family and finances, KT Finances can help.


There are many money management and insurance products available to suit your needs today, plan for the unexpected and cover anticipated future expenses.

Together, we’ll discuss your goals and explore the options to find solutions that are right for you.

To begin, here is a sampling of some common financial products we regularly advise clients on. And remember, even if you don’t see it here, ask.  Chances are that we have the knowledge and experience to help you with additional options.


If you’re looking for a way to make sure you will have enough money to last for the rest of your life, consider an annuity fund.

Even with a small amount of money that you’re willing to set aside, we can help you maximize its growth—and keep it secure! Annuities track the market in a way that allows you to earn more when the market increases, but never lose when it goes down. And you can qualify regardless of your health.

This is a smart way to set up an income stream for yourself that will be there when you need it. An immediate lifetime annuity will guarantee you a certain monthly income for life in exchange for a single lump-sum payment. Or choose a deferred annuity and contribute each year for a fixed number of years into a tax-deferred account. At the end of the fixed term, you can move the accumulated funds into another type of account or use the money to purchase an immediate lifetime annuity.

Guarantee monthly income for the rest of your life—even after you retire!

Indexed Universal Life Insurance 

This is an exceptional way to protect your family today and into the future.

Indexed Universal Life insurance allows you to allocate cash value amounts to either a fixed account or an equity index account which will grow in value—tax-free—while maintaining a sizable death benefit!

The money remains protected and will not be counted as part of your assets should you apply for financial aid, be sued or file for bankruptcy. Flexible payments are usually available as is the option to borrow from this type of account later in life. The best time to apply is when you’re young, so don’t wait! 

Protect your family financially for your whole life with this smart investment! 

Long Term Care Insurance

Long Term Care costs pennies on the dollar when added to Universal Life Insurance and is a very smart way to be prepared. 

Having it means you’re covered for many services that regular health insurance won’t pay for, should you need them in the future. If you’re dealing with a chronic health problem or disability, do not wait!

Setting up a policy will cover the cost of professional care in a variety of locations including your home, a nursing home, assisted living, adult day care and others. Delaying this decision could put you at-risk for not qualifying.   

Cover expenses for care you may need later in life for just pennies a day! 

Term Life Insurance

Term life insurance is an affordable option when Universal Indexed Life isn’t possible or is too expensive.

You pay premiums on a monthly or annual basis in exchange for protection during an indicated term. We can help you set up Term Life Insurance that will help provide much-needed funds to your family in the face of your passing during the child-rearing years to cover things like monthly living expenses, short-term debts, mortgage payments and educational costs.

Protect your family during the formative years with this low-cost option.

Final Expense Insurance  

Funerals are expensive and overwhelming even if there is an estate to draw from.

Final expense insurance ensures that your loved ones have the money they need immediately to fulfil and pay for your final arrangements —without having to wait for probate to go through. This includes both medical bills and funeral/burial expenses.

We can help you choose a Final Expense Insurance product that is proportionate to the expense of your final wishes.  

Ease the burden on loved ones when it’s time to fulfil your final wishes. 

Rollovers for IRAs and 401ks

Saving for a comfortable, freedom-filled retirement doesn’t have to be stressful even if you change jobs throughout your working years.

If you’ve started a retirement fund with a previous company or on your own, KT Finances can help you complete a rollover to a qualifying account without sacrificing any of your tax-deferred benefits. We offer a number of options that can help you invest wisely based on your current age and the age you plan to retire.

Qualified accounts include Indexed Universal Life Insurance, Annuities, Roth IRAs and more. 

Maximize your tax savings and take control of your wealth with qualified retirement plans. 

Million Dollar Baby Plans

Give the gift of a million dollars—guaranteed! KT Finances can help you open a Million Dollar Baby plan as early as 14 days after the birth of your baby.

The cash value can be used by that child for any financial need including education, mortgage down payments, starting a business and even financial security for his or her future family.

The fund grows tax-free and the money can be used as it accumulates with steady, predictable growth. Parents, grandparents, legal guardians, aunts or uncles can open these plans and control them for as long as wish before handing it over to the child any time after they turn 18.

And because it’s a life insurance product, the child is permanently covered, regardless of any illness that may arise. The account is considered an asset that the originator or child can also use for retirement. 

Set your child on course becoming a millionaire—guaranteed!

College Savings 

No matter how old your children are, it’s never too early to save for college.

As tuition expenses continue to rise, your best bet is to sock away as much as you can into a fund that will grow.

There are a number of options available to help you save for college, including 529 savings plans. These are typically offered by every state and vary in terms of tax breaks.

So, it’s a good idea to shop around before you decide which one is right for your family. We can help. 

Save for college while lowering your taxable income!

Long Term Savings 

Congratulations—you’re ready to start saving!

Long term investments are a great way to save for a variety of goals and provide a lucrative way to build wealth over time.

Depending on your risk tolerance, the amount you’d like to put away and when you think you’ll need the money, we can help you select from a number of investment options including stocks, long-term bonds, mutual funds, EFTs, Real Estate, Tax-Sheltered Retirement Plans, Annuities and others.

Create maximum wealth for the short and long term—with minimal effort!

Ready to find the right investment for you?
Book your Free Finacial Consultation with Karen Today!