Commission, paid by the carrier when a product is placed. The first conversation and the strategy design have no fee. If a client chooses to move forward with a product, the compensation gets disclosed clearly before anything is signed.

Grow what you have. Protect what you've built.

Q: Who do you usually work with?

Business owners, young families, pre-retirees in their last 5 to 15 working years, and entrepreneurs with income that doesn't come on a regular schedule. The common thread is real complexity to sort through.

Q: Are you tied to one insurance carrier?

No. The practice is independent. Strategies get chosen based on what fits your situation, not what one carrier happens to offer.

Q: What does the first call look like?

Fifteen to thirty minutes. No pitch, no pressure. We talk through what you're trying to build or protect, and figure out together whether this kind of planning is a fit. If it isn't, you'll know quickly.

Q: Do you give investment or tax advice?

Everything on this site is educational. Joshua Neilson is a licensed insurance professional, so recommendations sit on the insurance and planning side. For tax or legal advice on a specific situation, clients work with a CPA or attorney. We coordinate with yours when it helps the plan.

One team coordinating advisors, attorneys, and CPAs to help you grow and protect your assets.

Schedule a complimentary 30-min call

Complimentary·30 Minutes·No Pitch

Independent. Not tied to one carrier. Licensed life & health insurance professional. Suitability first. Plan before product.

Who I Serve

Built for people who've built something worth protecting.

The best planning conversations happen when there's real complexity. Income streams. Taxes. A business. A family. A retirement date on the horizon.

Business Owners

Extracting value from a business while keeping taxes, continuity, and retirement in view.

Young Families

Making sure the people who depend on you would be okay if something happened.

Pre-Retirees

The 5–15 year window where small decisions compound into large outcomes.

Entrepreneurs

Variable income, no HR department, no default plan. We build yours.

What We Work On

The plan comes first. Products come after.

Every strategy is built around your goals, your time horizon, and what's actually suitable for your situation. Products are how we put the plan to work.

Tax-Aware Accumulation

Strategies built to help your money grow while paying attention to the tax environment it'll land in.

Tax-efficient savings vehicles
Indexed Universal Life (IUL) planning
Coordination with your CPA

Retirement Income

Designing the shift from earning a paycheck to drawing one from your assets.

Fixed and indexed annuity strategies
Sequence-of-returns risk planning
Medicare & health insurance planning

Family & Legacy Protection

So the people who depend on you stay taken care of, whether or not you're here.

Term, permanent, and final expense life insurance
Income replacement analysis
Legacy and estate coordination

How We Work Together

A five-step process. No surprises.

A planning conversation, not a pitch. We get on a call, we look at the real numbers, we build a plan, we put it to work.

Conversation
A 15–30 minute call to understand what you're trying to build or protect.
Discovery
We gather the real numbers. Income, assets, risks, timelines.
Strategy Design
A plan built around your goals, suitability, and tax picture.
Implementation
Applications, funding, underwriting. Putting the plan to work.
Annual Review
Life changes. Plans change. We revisit yours every year.

About Joshua Neilson

I'm not here to sell you a product. I'm here to build you a plan.

I'm a licensed financial services professional based in Utah. My background is in strategy. The first thing we'll do is figure out what you actually need.

I work with clients on tax-aware accumulation, retirement income, Medicare, and family protection. I also coordinate with your CPA, your attorney, and anyone else on your team, so the pieces actually fit together.

If that's the kind of planning you've been looking for, the best next step is a short call.

Schedule a conversation

Common Questions

Answers before you reach out.

If something here isn't covered, send the question along when you book a call.

What does “strategy-based” planning actually mean?

The plan gets built before the products. We start with your goals, your timeline, and your tax picture. Then we figure out which tools fit. Same product can be a great fit for one client and the wrong move for another. Depends on the situation.

Who do you usually work with?

Business owners. Young families. Pre-retirees in their last 5 to 15 working years. Entrepreneurs with income that doesn't come on a regular schedule. The common thread is that there's real complexity to sort through.

Are you tied to one insurance carrier?

No. The practice is independent, so strategies get chosen based on what fits your situation, not what one carrier happens to offer.

What does the first call look like?

15 to 30 minutes. No pitch, no pressure. We talk through what you're trying to build or protect, and figure out together whether this kind of planning is a fit. If it isn't, you'll know quickly.

Do you give investment or tax advice?

Everything on this site is educational. I'm a licensed insurance professional, so my recommendations sit on the insurance and planning side. For tax or legal advice on your specific situation, you'll want a CPA or attorney. I coordinate with yours when it helps the plan.

How do you get paid?

Commission, paid by the carrier when a product is placed. The first conversation and the strategy design don't cost you anything. If you choose to move forward with a product, the compensation gets disclosed clearly before anything is signed.

Next Step

Let's find out if we're a fit.

15 minutes on the phone. No pitch. We'll talk through what you're trying to build or protect, and whether this kind of planning makes sense for you.

Schedule directly on my calendar →

Or fill out the form below and I'll reach out within one business day.

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