We are a Black-owned, husband-and-wife insurance and financial team in Owings Mills, focused on listening first and protecting health, wealth, and everything in between.

Our roots in finance reach back to 1997, guiding clients through market crashes, Medicare changes, retirement decisions, and life insurance planning with clear explanations, honest guidance, and steady support.

We keep Medicare, retirement income, and life insurance simple, meeting virtually or in person, so you understand choices without one-size-fits-all promises or secret strategy gimmicks.

Since 1997, we have guided clients through retirement, Medicare, and life insurance decisions.

As a Black-owned husband-and-wife team, we offer patient education, not one-size-fits-all promises.

We coordinate Medicare, VA, TRICARE, and legacy planning for complex families needing clear guidance.