TrueGuard Financial Consultants
Built for Anyone Who Has
Something Worth Protecting.
A strategy, not a policy.
LifeDisabilityHealthBusinessGroup Benefits
Ortis M. Pyronneau, MBA, MS Coral Springs, FL · (954) 459-6510
Before we look at anything
Most people buy insurance
the wrong way.
They pick a number, sign a form, and move on. Nobody analyzes the income replacement gap, the business continuity risk, the estate liquidity problem, or how the policy interacts with their tax picture.
Diagnosis before prescription. So before anything is recommended, read the next page and find the one that is already yours.
Start here
Which of these is the thought
that keeps you up?
For my family
Turning 65? Medicare changes the rules, including the rules I must follow in describing it. That conversation happens directly.
Let's talk.
Your numbers, not ours
$0
Covered today vs the gap
0% covered100% missing
The best rate you will ever see
is today's.
Age
Premiums rise every year you wait. The same coverage costs more with every birthday.
Health
One new diagnosis can limit your options or close the door entirely.
Locked
Once approved, your rate is set for the life of the policy. Waiting only costs more.
Roughly three-quarters of adults overestimate what coverage costs. Source: LIMRA and Life Happens, 2025 Insurance Barometer Study.
Tax Advisory
You are probably paying
more than you should.
Not because you did anything wrong. Because nobody showed you the full picture. Tax advisory is not about filing a return. It is about keeping as much of what you earn as legally possible, year after year.
01
For Individuals
Income, deductions, investments, and insurance get reviewed together. Most people leave money on the table because nobody looked at the full picture before the year closed.
02
For Business Owners
Entity structure, owner compensation, and benefits all affect what you owe. We work with single-member LLCs, S-corps, and partnerships, and connect the business strategy to your personal return.
03
For High Earners
Once qualified plans are maxed, a properly structured life insurance policy grows tax-deferred and can be accessed tax-free, with no contribution limit and no required withdrawal age.
04
When a Notice Arrives
Most IRS notices are less serious than they look. We review it, explain what triggered it, and respond with the right documentation. Complex audits get referred to the right professional.
General education only. This is not tax advice. Strategies are reviewed with your CPA before implementation.
Ortis M. Pyronneau, MBA, MS
Financial Consultant
TrueGuard Financial Consultants
Coral Springs, FL
FL Life and Health License 2-15
IRS PTIN and EFIN Active
19 States Licensed
About
Most People Do Not Have a
Financial Problem.
They Have a Clarity Problem.
"The clients who felt most exposed were rarely the ones with the least money. They were the ones nobody had ever slowed down and actually explained things to."
I spent over 15 years working at every level of financial services. Personal banker. Relationship banker serving small business owners. Financial advisor handling insurance, annuities, and investment products. Tax advisor helping families and businesses treat taxes as an ongoing part of their financial life.
I am not tied to any institution. I do not have a quota. I do not lead with a product. I start with your situation and I tell you what I actually see.
I also wrote Money Smart Families: A Financial Road Map from Piggy Banks to Paychecks, available on Amazon, because this conversation should not have to wait until there is a crisis.
One advisor. The full picture. Because the right plan changes everything.
What Happens Next
No pressure. No pitch.
Just a conversation.
01
You tell us where you are
Fill out the form at the end or call directly. There are no wrong answers. The more you share, the more useful the conversation will be. Everything is confidential.
02
We look at the whole picture
Before anything is recommended, your income, family, business, existing coverage, and tax situation get mapped. Most people have at least one gap they did not know was there.
03
You get a clear recommendation
Plain language. Here is what was found, here is what is recommended, here is why. You decide what to act on. If something does not fit, you are told that too.
04
We handle everything else
Once you decide, we take care of the paperwork, the applications, and the follow-through. The relationship does not end when the policy is placed.
Underwriting sets your price at today's age and health. Florida gives you a free look period to review any policy and cancel for a full refund if it is not right.
TrueGuard Financial Consultants
Ortis M. Pyronneau, MBA, MS
Because the right plan changes everything. One advisor. The full picture.