Practice 04 · Individuals & families
Cover the income first. Then the estate.
Life, disability, individual health, and international cover for Houston households — sized to an actual needs analysis, not to a product’s commission.
Before the product
What the household needs to replace, for how long, after existing group cover. Then, and only then, a policy.
Checked against the network
Not a plan name and a premium. The names on your appointment cards, looked up one by one.
For thirty years
The same person at the job change, the birth, the move abroad and the diagnosis.
Disability & term life
The largest uninsured asset in most households is the next twenty years of earnings.
Individual & family medical
Marketplace, private and bridge cover between roles — with the network checked against your doctors.
Expat & travel medical
Rotational and assignment cover for Houston’s energy families, including evacuation.
Past working age, the questions change
Medicare, retirement income, and what the savings are actually invested in. Same relationship, different lines.
Age 65 and up
Medicare supplements & Advantage
Supplement or Advantage is not a slogan choice — it depends on your doctors, your drugs and your county. Justin Boulet leads this line and walks it plan by plan.
Retirement income
Annuities & wealth transfer
Turning a balance into an income that does not run out first — and moving what remains to the next generation without losing it to process.
The savings themselves
Investment management
Asset management for individuals and retirement accounts, run by Michael under the firm's advisory registrations.
The order we work in
Nobody is sold a product on the first call. The first call is arithmetic.
The number
What the household actually needs to replace, for how long, after existing group cover.
The gap
What employer cover stops paying for, and what stops entirely the day you change jobs.
The structure
Term, permanent, disability, or nothing at all — whichever the arithmetic supports.
The review
Re-run at every job change, birth, move abroad, or diagnosis. Not annually for its own sake.
A parent’s policy is also a plan document
If a child in the household has a disability, the life policy, the trust and the guardianship timing have to be built together — or the payout disqualifies the benefits it was meant to protect.
See the special needs practiceStart with a plan review
Three questions, ninety seconds. You will hear back the same business day — from Michael, not a queue.