TrueGuard Financial Consultants
Your Financial Picture.
Finally Clear.
Finally Clear.
A conversation about protection, planning,
and keeping more of what you have built.
and keeping more of what you have built.
Ortis M. Pyronneau, MBA, MS · Financial Consultant
(954) 734-4261 · ortis@tguardfinancial.com
tguardfinancial.com · Coral Springs, FL
Let's Be Honest
Nobody Taught Us
This Part.
This Part.
Most people are not in a bad financial position because they made bad decisions. They are there because nobody ever sat down and walked them through the full picture.
Most
families have no plan for what happens if the breadwinner cannot work tomorrow
Many
business owners have no succession plan if something happens to them or a key person
Few
high earners know there are legal ways to keep more of what they make beyond a 401k
The Gap
"I have insurance. I file my taxes. I think I am covered."
Most people have pieces in place. What they are missing is someone who looks at all of them together and finds what is falling through the cracks. That is where the real exposure lives.
The Good News
"You are not behind. You just have not had the right conversation yet."
The strategies that protect families, reduce tax burdens, and fund business succession are not complicated. They are just rarely explained clearly. That is what this conversation is for.
Who This Is For
If You Have Built Something,
This Conversation Is for You.
This Conversation Is for You.
It does not matter what you call yourself. What matters is whether any of these situations sound familiar.
You own a business.
Your business depends on you showing up. If you cannot, what happens to revenue? What happens to your employees? What happens to the partners you built this with? We help you put a plan in place so the business does not collapse if the unexpected happens, and so the people who helped you build it are taken care of.
You earn well but feel like you are still giving too much away.
You work hard, you earn well, and yet every year you write a check to the IRS that feels bigger than it should be. There are legal ways to change that. Most people just do not know they exist because no one in their corner has ever put the insurance strategy and the tax strategy in the same conversation.
You have a family depending on you.
The mortgage. The kids. The daily expenses. Everything runs through you. One event changes all of it. We help you make sure that if something happens to you, the people you love are not scrambling to figure out what comes next.
Protection
Life Insurance Is Not Just
for When You Die.
for When You Die.
The right coverage protects your family if you are gone, your business if you cannot work, and your wealth while you are still building it. The wrong one is just an expensive piece of paper.
For Families
"If I am gone tomorrow, my family keeps the house and keeps moving forward."
Term life covers your income and obligations for a defined period. We size it to what your family actually needs, not a generic number. And it can be converted to permanent coverage later without new medical exams.
For Business Owners
"My business made money this year. How do I keep more of it and take care of the people who helped make it happen?"
The Section 162 Executive Bonus works like this. The business pays a bonus to a selected employee or owner. That bonus is deducted as a compensation expense, the same as any salary. The recipient uses it to fund a permanent life insurance policy they own personally. The business reduces its taxable income. The individual builds a tax-free asset. The IRS designed this deduction for compensation. You are using it exactly as intended.
For Business Owners
"My business can pay for coverage and write it off as an expense."
That is the executive bonus in practice. The business pays, deducts it, and the individual owns the policy outright. No complex plan documents. No requirement to cover every employee. You choose who receives it. The deduction is immediate and the asset belongs to the person you chose to protect.
For High Earners
"I work hard, I earn well, and the government takes a third of everything above a certain point."
That is not bad luck. That is the tax code working exactly as written, for people who do not know the alternatives. A permanent life insurance policy structured correctly grows without being taxed each year and can be accessed without triggering income tax in retirement. No contribution limit. You keep compounding on dollars the IRS would have taken. That is the strategy.
Living Benefits
"What does my policy do for me while I am still alive?"
Most permanent policies today include riders that let you access part of the death benefit early if you are diagnosed with a serious illness. Your coverage works when you need it most, not just at the end.
"My partner and I built this business together. What happens to it if one of us dies?"
A buy-sell agreement funded by life insurance means the surviving partner has the money to buy out the estate at a fair price. The business stays intact. No forced liquidation. No family disputes.
"I cannot afford a big premium right now but I want to keep the door open."
Start with term coverage at an affordable premium. Lock in the right to convert to permanent coverage later without new medical underwriting. Your health today protects your options tomorrow.
