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About Us

Americans have a real and pressing need for financial planning, whether undertaken on their own (hopefully with the assistance of a professional) or through the professional services of a financial adviser. The lack of planning that has generally prevailed has contributed to a low saving rate with consequences in other areas. 

Clients don’t always understand the interactions between different types of income and deductions, leading to potentially significant tax inefficiency in their retirement strategy. 

We can show you how to identify which accounts you should withdraw from, and when, in order to make better retirement strategy decisions such as: 

*How to identify future tax issues 

*How to optimize Social Security and not end up with a tax torpedo

*Why IRA conversions may help you as a long-term tax play 

*What to consider for tax-efficient harvesting patterns

Take advantage of our complimentary consultation today. We can help you put together a tax-deferred strategy to maximize Social Security, prepare for long-term care costs and provide you with options for guaranteed lifetime income.

At we specialize in accumulation focused solutions.

We develop personalized financial plans for clients preparing for or about to enter into retirement.

We examine issues that range from the role of life insurance and long-term care costs to income tax planning and funding our client's children's college education. Give us the opportunity to earn your business.

Contact Us today. We can go over guaranteed income solutions, tax-deferred options to reduce RMDs, and long-term care benefits.

If you are concerned about stock market downturns, inflation, rising taxes and increasing long term care costs not covered by Medicare, contact us today. We have tax-free and tax-deferred solutions to help with:

In-service 401K Rollovers for ages under 59 1/2

401K Rollovers

IRA Conversions

TSP Rollovers

403B/IRA Rollovers

Conversions and Rollovers that reduce RMDs

Employee Small business owner retirement plans

Easy Catch Up Solution For Small Business owners and High Net Worth Earners

Medicaid Annuities

Estate Planning Wills & Trusts

If you have any questions, please don't hesitate to contact us. We look forward to assisting you on this journey.

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Visit Our Life Insurance Division for a Customized Life Insurance Quote

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Business Spotlight

1. Why did you start your business?
One night my brother called to tell me that our mom was sick. She was a sixth grade school teacher and she had just finished the last day of school before the Christmas break. She made it home, sat down and she couldn't stand or move, so she was rushed to the hospital. That was the beginning of my journey. I spent 10 years as her full-time caregiver, but even with the help of my father, we couldn't take care of her for 24 hours a day. So, we hired help.

I kept the hours capped at $35,000 a year, but for 10 years....that's over $350,000.00 out of pocket. Not including bills and other expenses. So I started my business because I wanted to help people and small business owners avoid the learning curve and retirement busting expenses that I went through. Life insurance and annuities can relieve those burdens off of one's family members, but most people don't find out about them until it's too late. My mission is to change that.

2. How did you pick the name of your business? 

My business name is just an easy way of introducing myself and what I do. Hi, I'm Jennifer Lang and I provide no stock market risk financial services.

3. What do you love most about your business or about being your own boss?

The thing I love most about my business is I know once that client is covered, even if the world falls apart, they are covered. Our lending partnership has been rewarding, because we've been able to provide small business loans and PPP loans to help keep businesses going.

4. What makes your business unique or sets you apart from competitors?

We work with over 25 of the top A rated and A+ rated life insurance carriers to shop around and find the best rate and policy that fits that clients age, time horizon and goals. Our services for small business owners are vital, because most small business owners focus on the dream and don't plan or put aside for their retirement and a lot of small business owners don't realize the tax benefits of setting up an employee retirement plan. All you need is 1 employee, so even a sole-proprietor can qualify.

5. What advice do you have for other businesses in the midst of this pandemic?

The only advice I can give any business during this pandemic is what I live by....... hold onto your faith. If you fall....get back up. If you make just one affirmation a day say....My business shall live and not die.....We're in a battle and if we give up, the enemy wins. The mandates and restrictions are on purpose and are really meant to be oppressive. 

So if you've done everything to comply, look for ways to reinvent your business. Take advantage of small business loans, develop your own app, try direct mail with a QR code....use AdCritter......I'm thankful for them, because I can set my TV budget and they allow me to get my ads out on the Internet, TV and even on billboards.....but think outside the box.


6. Is there anything else you want to share about your business? 

I would say the other overlooked part of retirement planning is Long-Term Care. We all see ourselves as indestructible until life shows us that we're not.  People mistakenly assume that Medi-Care pays for Long-Term Care, however, they do not. 

Medi-Care pays for the first 30 days. So if you are not on your feet after those 30 days....How are you going to pay for it .... and where is the money going to come from? My parents (like most people) didn't have a plan for long-term care. That's why we had to pay out-of-pocket. Going down to the poverty level, just to apply for Medi-Caid......wasn't going to happen. They didn't work all of their that at the end of their lives....they would be forced to beg for public assistance. So yeah, I put my life on hold....but that's my moma.

If you include Long-term care in your retirement planning, you can use annuities with nursing home riders, Indexed Universal Life with living benefits and cash value life insurance to provide income sources during those times.

For our younger clients, we have term and mortgage protection insurance, IUL policies to help pay for college, estate planning with our Wills and Trusts partner and premium financing for our high net worth clients who haven't started saving for retirement. 

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Driven To Help

At we follow a needs-based approach to life insurance and annuity product placements. We determine your needs and objectives; match your needs and objectives with the appropriate product design; disclose the facts associated with the product; and encourage questions to reinforce the product’s suitability.  

Only when a life insurance policy or annuity is appropriate and only when it will advance our client's goals and objectives do we recommend adding them to his/her financial portfolio.

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Services Slide - Jennifer Lang Financial

Hi, I'm Jennifer and I'm a licensed life insurance agent. It would be my pleasure to help you with your life insurance and retirement planning needs.

Committed to Excellence

"Despise not small beginnings." Zechariah 4:10

Our founder and CEO, Jennifer Lang started at zero and look at what the Lord God Almighty has done!

When Jennifer Lang started building her company, she had a vision to provide individuals and small business owners with the education and guidance needed to achieve financial freedom.

Jennifer Lang is an American author, Independent Recording Artist, Day Trader and Licensed Financial Professional specializing in No-Market Risk strategies.  

She has been featured in Yahoo Finance and host of the podcast "Independent Wealth Planner Strategies with Jennifer Lang".

She provides outstanding service in life insurance, no-market risk retirement planning, employee benefit planning,​ and business accounting services to clients nationwide. 

Our Life Agents are retirement protection specialists who specialize in working with people who are near retirement or already retired with wealth management, income planning, and asset protection strategies.

Because of her dedication to the three underlying principles of professionalism, responsiveness and quality, she works to make sure individuals, families and small business owners have peace of mind as they go through the different stages of life.

Our agents are experienced licensed agents in all 50 states who are standing by, ready to help you.

Visit our online Life Insurance Division to get started.

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Financial First Responders - You Call We Run in With Financial Protection Solutions

We help our clients understand their financial situation first. We will then customize a plan that fits you and your family's priorities, needs and budget. If you already have a plan in place, we will analyze your current plan and compare it to our strategy. Next, we will show you the likelihood of both plans lasting into retirement. 

After you understand where you are and where you are going, we will work with you to implement your tax-free retirement plan. Then, we will review and adjust along the way to ensure your goals match the income you require.

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We've Been Featured!

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New Book Release

The Retirement Income Teeter-Totter

A “Must-Read” For Retirees or Soon-to-be Retirees

Discover 3 Reliable Ways to Steady Your Income Inside This FREE Guide

  • The 3 fundamentals to helping you create steady income

  • 26 questions to help you sustain your standard of living

  • How to approach the critical “transitioning” phase

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Why Us?

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Our firm is one of the leading life insurance, retirement planning and accounting firms in the area. By combining our expertise, experience and the energy of our staff, each client receives close personal and professional attention.

Our high standards, service and specialized staff spell the difference between our outstanding performance, and other firms. We make sure that every client is served by the expertise of our whole firm.


Our firm is responsive. Companies who choose our firm rely on competent advice and fast, accurate personnel. We provide total financial services to individuals, large and small businesses and other agencies.

To see a listing of our services, please take a moment and look at our services page. Because we get new business from the people who know us best, client referrals have fueled our growth in the recent years.

Through hard work, we have earned the respect of the business and financial communities. This respect illustrates our diverse talents, dedication and ability to respond quickly.


A life insurance and accounting firm is known for the quality of its service. Our firm's reputation reflects the high standards we demand of ourselves.

Our primary goal as a trusted advisor is to be available and to provide insightful advice to enable our clients to make informed financial decisions. We do not accept anything less from ourselves and this is what we deliver to you.

We feel it is extremely important to continually professionally educate ourselves to improve our technical expertise, financial knowledge and service to our clients.

Our high service quality and "raving fan" clients are the result of our commitment to excellence.

We will answer all of your questions, as they impact both your retirement and financial situations. We welcome you to contact us anytime.

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Resources Just For You!

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Monthly Lifestyle Magazine




Free eBooks

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We’re committed to helping you make informed decisions about your financial future. We invite all clients, referred guests and visitors to attend our events.


Investment Strategies for Retirement

Depending on your needs, a fixed indexed annuity (FIA) provides protection for your money, a guaranteed monthly “paycheck” for life and the opportunity to leave legacy for loved ones. Join this workshop where annuity specialist Jennifer Lang explains FIAs and discusses multiple investment vehicles to help you understand the benefits of incorporating this product into your retirement strategy.


Principles of Preserving Wealth

Planning for retirement is about finding ways to live your later years doing what matters most to you. If you’re nearing retirement, this workshop can help you learn what it takes to create a plan that can support your lifestyle in retirement and leave a legacy for your beneficiaries.

401K Rollover Services

How Retiring In a Bear Market Affects How Long Your Retirement Savings Will Last

The 2008 financial crisis caught retiring Americans off guard. This catastrophic financial event wiped out big chunks of America’s retirement savings and affected the economy long after the stock market recovered.

Now, retirees are faced with a double whammy. A rising health concern from the CoronaVirus, COVID-19, coupled with the Dow Jones industrial average falling into a bear market. As you get closer to retirement, it's important to start planning your retirement income strategy or you may need a refined or updated income plan that helps you achieve your specific retirement goals.

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We Compare Rates So You Save Time and Money

We do the work for you by comparing policies from more than 50 insurance companies including Athene, Nationwide, Pacific Life, Principal, F&G and many others.

Contact us today for a customized solution to fit your needs, budget and time horizon.

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New Music Release

Jennifer Lang is an Entrepreneur, Licensed Financial Professional and an Independent Recording Artist.

Listen and enjoy these new releases.

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Agent Licenses

Agent Licenses: AR 18035616 - GA 3143558 - MI 18035616 - OH 1175121 - TX 2190665 - UT 648635 - VA 1058344 - WA 970545 - LA 852563 - VT 3561149 - FL W670114 - MD 3001033421 -
NC 18035616 - PA 982720 - NV 3636426 

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