the SmartLock™ System
Hybrid
Solutions
We're helping you minimize multiple types of risk, in one solution ... with only one transfer of funds.
One-Time Repositioning
Transfer money once
Protect your retirement distributions and reduce reliance on monthly withdrawals with a single intentional move.
A-Rated Carrier Partners
Financially strong backing
Your strategy is backed by a mutually owned insurance carrier with decades of proven experience.
Multi-Risk Protection
One solution, four risks
Address market, tax, care, and legacy risk together so a single event doesn't disrupt your retirement plan.
★ Tax Efficiency
★ Guaranteed Growth
★ Long-Term Care
★ Insurance Benefits
★ A-Rated Carriers
★ One Transfer
★ Tax Efficiency
★ Guaranteed Growth
★ Long-Term Care
★ Insurance Benefits
★ A-Rated Carriers
★ One Transfer
★ Tax Efficiency
★ Guaranteed Growth
★ Long-Term Care
★ Insurance Benefits
★ A-Rated Carriers
★ One Transfer
★ Tax Efficiency
★ Guaranteed Growth
★ Long-Term Care
★ Insurance Benefits
★ A-Rated Carriers
★ One Transfer
What You Get
Create value in multiple ways
in multiple ways
Address market risk, tax risk, care risk, and legacy risk together so a single event doesn't disrupt your retirement plan.
01
Tax Efficiency
Reposition funds in a way that spreads taxable events over time and creates tax-advantaged outcomes during retirement.
02
Guaranteed Growth
Establish contractually guaranteed values that grow independent of market volatility and support long-term planning.
03
True Long-Term Care
Create dedicated resources for extended care needs without relying on portfolio withdrawals or family support.
04
Insurance Benefits
Maintain truly permanent insurance protection that provides flexibility for care, liquidity, or legacy planning.
1x
Only one transfer of funds required
Unlike traditional approaches that require ongoing premiums and multiple products, SmartLock™ achieves comprehensive protection through a single, intentional repositioning of assets.
Side by Side
Compare how different approaches handle long-term care risk
Traditional LTC Insurance
Coverage only. Ongoing cost. No guarantee.
Traditional LTC insurance focuses solely on care coverage. Premiums are ongoing and may increase, and if care is never needed, benefits are typically lost. Coverage can become unaffordable later in life, creating uncertainty when risk is highest.
Hybrid LTC Insurance
Better, but still missing the full picture.
Hybrid LTC combines insurance with long-term care benefits. If care is needed, benefits can be used; if not, a death benefit passes to beneficiaries. While premiums are often guaranteed, many designs still require large upfront commitments without addressing broader retirement tax or estate planning.
SmartLock™ Hybrid LTC
A complete retirement distribution strategy.
SmartLock™ applies hybrid LTC as two distinct strategies: Retirement Shield and Leveraged Care. Both accomplish the same thing, protecting your estate from the four retirement risks ... but are funded in different ways. Read the one-pagers below to see how they are different from other LTC systems.
How It Works
It's a simple process
From your first conversation to funded protection — here's what the path looks like.
01
Consultation
We will walk you through the specifics of the SmartLock™ and help you with the initial design for your situation.
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02
Application
We'll help you submit a no-strings-attached application to start the qualification process with the carrier.
03
Underwriting
Medical and financial qualification for the plan is determined by the carrier.
04
Reposition Funds
Once approved, funds are transferred to the SmartLock™. One move. Comprehensive protection in place.
Built For You
Designed for retirement
This approach is built specifically for the retirement years, when income, taxes, care needs, and access to money matter most. By using a strategic transfer, protection is put in place and structured to work alongside your retirement plan over time. To see this in practice, check out the white paper below.
Want to learn more?
The SmartLock™ consultation is free. We'll create a custom report, walk you through the numbers, show you exactly how it fits your plan, and answer any questions you may have.
A genuine leader is not a searcher for consensus but a molder of consensus.
— Dr. Martin Luther King Jr.
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