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Our Team

All Services

Financial Planning & Insurance Services | BTO Financial Group

We offer education-focused guidance on insurance-based planning solutions designed to support retirement, protection, and long-term planning goals. Our approach emphasizes clarity, transparency, and informed decision-making.

Family Insurance

Education and guidance on insurance solutions designed to help protect your family’s financial foundation and support long-term planning needs.

Mortgage Protection

Guidance on insurance-based mortgage protection options designed to help cover outstanding mortgage obligations in the event of unexpected life events.

Guaranteed Income & Longevity Planning

An education-first approach to insurance-based guaranteed income and longevity planning, focused on helping you understand lifetime income options and create predictable income you can’t outlive.

Insurance Based Financial Planning

Education-focused guidance on insurance-based planning strategies, designed to support retirement and protection goals—not investment advisory services.

Teacher Retirement Planning

Education-focused guidance for educators navigating pension benefits and insurance-based retirement planning strategies, designed to help teachers understand their options and make informed long-term planning decisions.

Funeral Planning

Guidance on insurance solutions designed to help address final expenses and provide financial support for loved ones, with a focus on preparation and peace of mind.

Why Choose an Education-First Approach?

We emphasize education, clarity, and transparency to help individuals and families better understand insurance-based retirement planning strategies and make informed decisions.

01.

Education Comes First

We prioritize education and understanding, taking the time to explain insurance-based retirement planning options clearly—so you can make decisions that feel informed and comfortable.

02.

Transparent Planning Process

Our approach is built on clarity and transparency. We walk through available options, explain how different strategies work, and answer questions without pressure or obligation.

03.

Professional

Guidance

As a licensed insurance professional, we provide guidance focused on insurance-based retirement planning strategies designed to support long-term planning goals.

Why Choose an Education-First Approach?

We emphasize education, clarity, and transparency to help individuals and families better understand insurance-based retirement planning strategies and make informed decisions.

01.

Education Comes First

We prioritize education and understanding, taking the time to explain insurance-based retirement planning options clearly—so you can make decisions that feel informed and comfortable.

02.

Transparent Planning Process

Our approach is built on clarity and transparency. We walk through available options, explain how different strategies work, and answer questions without pressure or obligation.

03.

Professional

Guidance

As a licensed insurance professional, we provide guidance focused on insurance-based retirement planning strategies designed to support long-term planning goals.

Clarity Makes Retirement Planning Simpler

Through an education-first approach, we help individuals and families better understand insurance-based retirement planning strategies and navigate important decisions with clarity. Our focus is on transparency, understanding options, and thoughtful long-term planning.

Clarity Makes Retirement Planning Simpler

Through an education-first approach, we help individuals and families better understand insurance-based retirement planning strategies and navigate important decisions with clarity. Our focus is on transparency, understanding options, and thoughtful long-term planning.