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Retirement Income Planning
Social Security will typically only replace about 40% of your pre-retirement income. Can you imagine taking a 60% cut in pay?
If you are like most people that have saved over the years, the last thing you will want to do is drain your savings to supplement your retirement years.

We provide the professional planning and the expert guidance that is necessary to plan your retirement years that will provide the financial resources to continue the lifestyle your accustomed to.

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Request a Free Personal Insurance Quote for Life, Disability Income, Final Expense,  Long Term Care Planning, Mortgage Life, or Retirement Income Planning. We'll do the shopping, show you the comparisons, and provide the best Insurance Products & Solutions for you!


Ask about High-Yield Bank CD's, Professional IRA/401K/403b Rollover Service, Roth IRA Conversions, Retirement Income needs, and the many other exclusive "Safe Money Solutions"  that we offer!

Life and Disability Insurance
  • Coverage up to a 10 Million Dollar Limit with most cases issued without a medical exam. 

  • Monthly Disability Income amounts up to $10,000. per month that can be used to pay your Mortgage, Interest, Taxes, & Property Insurance, or any other financial obligations.

  • Children's Insurance that your children can grow into.


One of your largest and most prized posessions may be your home, which also may be one of your largest financial obligations.  If you should become disabled or unexpectantly pass away, your mortgage loan still needs to be satisfied or your Beneficiary's may end up losing the family home.  Life and Disability Insurance Coverage will cover any event to ensure your Mortgage Loan is paid.  Additionally, if you are fortunate enough to never need this protection, our plans can refund 100% of all Premiums paid back to you if you never use it!

We can also customize your plan to include:


  •  10, 15, 20, 25, 30, or 40 years of Coverage        

  •  Critical, Chronic & Terminal Illness Protection

  •  Premiums waived if you become Disabled

  •  Conversion to Permanent Insurance that you can keep for the rest of your life and will accrue cash value that you can use.

Final Expense Planning 
Long Term Care Needs Planning
and Special Needs Planning



2121 W. First St.

Fort Myers, FL 33901


Tel:  239-257-5769

Fax: 888-457-7301


Monday - Friday 

8:30 am to 5:30 pm


Evenings & Weekends

by Appointment


Ensures your long term financial goals stay on track regardless of market volatility or economic instabilty.  Call the experts at Gulf Coast Financial when you are ready for a better experience! 


Preparation and Planning is essential

for all phases of Retirement Planning and we have the expertise and experience to help you ask the right questions and get answers you need. 

Writing Documents
  • IRA Retirement Account Management with safety of Principal and Growth a priority.

  • Tax Deferred Accounts that ensure Compound Interest Growth.

  • Lower Annual Tax Liability by moving Taxable Accounts that are not being used to more advantageous Growth Accounts.


  • Creating plans for guaranteed and predictable income that you can not outlive.

  • Maximizing Social Security & Pensions.

  • Developing plans for tax-free income.

  • Professional Resources for creating and updating of Wills, Trusts, Estates, and Child Special Needs Planning.


Most people forget to include these crucial step in planning and are not aware most Health Insurance and Medicare Plans may not offer the financial assistance needed.  Presently, if you pass away without a plan, Social Security will only pay $255.00 toward your Final Expenses.  Furthermore, if you may need extended care beyond the 100 days that Medicare will only pay for you may not have the proper insurance coverage needed in order to protect your assets.  

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts, and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.                                                                                                     

  • Final Expense Planning provides the Documentation and pre-funding specifically directing your wishes and the funding for services, burial, or cremation.

  • Long Term Care (LTC) Planning utilizes various strategies to include Traditional LTC Insurance or the preferred multi-bucket approach that gives you a money-back option if you never need the services which provides much more flexibility.

  • Professional planning is a critical component for children with "Special Needs" that will require your financial assistance beyond your lifetime.

© 2021 by Gulf Coast Financial Group, LLC     >>>

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