Marcia Santos Sadler

I’ve worked alongside Ismael Santos for over 25 years.
We specialize in overly funded, high-cash value life insurance policies that create tax-free retirement income.
When appropriate, we use these strategies to fund retirement and pension plans for professionals and small business owners.We work together with CPAs, CFPs, and other insurance brokers to bring all the expertise possible to counsel the client. The wealth of resources we bring and the relationships we’ve built over the years is one of our best assets. Many of our clients are financially motivated and use their complimentary personal financial platform to keep their finances in order. Please email me for more information, or click on the LinkedIn link below to learn more about me.

We’re encourage you to do an annual review of your policies to be sure that it’s performing to their expectations.
Generally, the newer policies have Long Term Care or Living Benefits riders that pay you when you if needed.
If you purchased a policies many years ago, and don’t need it, putting selling can return some of your costs.
It’s necessary to review and make adjustments where necessary.
For those who bought a term policy that’s ending, it might be time to convert them to a permanent policy.
In some cases re-applying for a new life insurance policy can be less expensive then converting an old policy on.