• About
    • Differences
    • Pricing
    • Team
  • Services
    • Financial Planning
    • Investment Advisory
    • Insurance Solutions
  • Blog
  • Contact
Financial guidance for busy professionals
  • About
    • Differences
    • Pricing
    • Team
  • Services
    • Financial Planning
    • Investment Advisory
    • Insurance Solutions
  • Blog
  • Contact
Assess Risks +
​Insure Risks =

Peace of Mind

Do you like pushy insurance salespeople? Neither do we.

Like you, we are not a fan of pushy life insurance* salespeople. Because we are independent and not affiliated with any insurance carriers, we have complete freedom to make unbiased recommendations that's in your best interest. And, of course, you can depend on the depth and breadth of our knowledge (and wisdom and judgment) that come only from decades of experience. 
Independence
We are independent and not affiliated with any insurance carriers. That means you'll always get straightforward and unbiased recommendations. We analyze your risk and needs, perform carrier due diligence, select a product, design your policy, etc. for a solution that best fit your specific needs
Experience
We are really good at what we do. So you will of course benefit from the depth and breadth of our knowledge. But you can also depend on our wisdom and professional judgment to discern industry fads from substance. All this is possible because of our decades-long experience.
         Carriers
MassMutual
Penn Mutual
Prudential
Lincoln
Principal
John Hancock
​And other reputable carriers
*By life insurance, we mean LIFE INSURANCE, DISABILITY INSURANCE, LONG-TERM CARE INSURANCE and ANNUITIES. ​
schedule a meeting

What Life Insurance Can Do For You

For High Income Earners
​Protect your family from financial ruin if you die too soon

Continue your income if you get injured or become too sick to work

Add a low-volatility, tax-efficient asset class without market risk to your investment portfolio

Save money without being taxed on the growth

Withdraw money without being taxed 

Save money without contribution limits, early withdrawal penalties or required minimum distributions
For Businesses
Protect the value of your business so you can sell it at a premium later

"Buy time" if you or your employee dies or become to sick to work

Provide cash for you to buy out your partner if they retire, die or become too sick to work

Attract and keep your executives with a superior compensation package 

Carve out a retirement plan just for your executive team
​
Carve out life and/or disability insurance just for your executives
For Estates
​Leave cash to your heirs so they can pay estate taxes

Equalize inheritance among your children

Maximize generational wealth

Provide financial security for your child with special needs

Keep costs of long-term care from depleting your assets 

Get guaranteed lifetime income to plan for longevity

​Bypass inherited IRA tax rules for your heirs
Advisory services offered through CS Planning Corp, an SEC registered investment advisor.
Insurance products sold separately from and independently of Cultivant LLC or CS Planning Corp.
Form CRS, Privacy Policy, and Additional Disclosures.

info@cultivant.com
206.486.8700 ext. 703
Get started
  • About
    • Differences
    • Pricing
    • Team
  • Services
    • Financial Planning
    • Investment Advisory
    • Insurance Solutions
  • Blog
  • Contact