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What Brings You Here Today?

We have 130+ pages of content across Medicare, retirement, life insurance, estate planning, business tax strategy, and more. Pick whichever path matches your situation — we'll point you to the right starting articles, calculators, and guides.

I'm turning 65 or already on Medicare

Compare plans, understand the parts, navigate enrollment windows.

  1. 1Start: Medicare 101 — The 4 Parts
  2. 2Decision: Advantage vs Supplement
  3. 3Estimate: Annual Medicare cost calculator
  4. 4Download: Medicare Decision Guide (PDF)
Free Medicare plan review

I'm planning for retirement

Income strategy, Social Security timing, Roth conversions, sequence-of-returns risk.

  1. 1Start: Four Pillars of Retirement Planning
  2. 2Decision: When to claim Social Security
  3. 3Estimate: Retirement gap calculator
  4. 4Compare: 401(k) vs IRA vs Roth vs HSA
Free retirement strategy session

I'm worried about outliving my savings

You're asking the right question. There's a way to turn part of your savings into a paycheck that lasts as long as you do.

  1. 1Start: Annuities, explained simply
  2. 2Read: What an annuity really does
  3. 3The trap: Sequence-of-returns risk
  4. 4Download: Retirement Income Blueprint (PDF)
Learn about guaranteed income

I'm a business owner with tax-strategy needs

Entity selection, retirement plan stacking, missed deductions — typically $15K-$50K+/year in savings.

  1. 1Start: Tax Strategy Basics — what most owners miss
  2. 2Decision: Should I be an S-Corp?
  3. 3Compare: Solo 401(k) vs SEP vs SIMPLE vs Cash Balance
  4. 4Download: Self-Employed Tax Playbook (PDF)
Free tax strategy review

I run a business with W-2 employees

There's a payroll-tax structure that saves about $600 per employee per year and gives your team more take-home pay. It's called ProfitGuard Plus, and it's built on IRS code that's been around for decades.

  1. 1Start: How ProfitGuard Plus works
  2. 2Context: Tax strategy basics for owners
  3. 3Compare: Business retirement plans
See how it works

I need life insurance

Term vs whole, coverage amount, riders worth adding, common beneficiary mistakes.

  1. 1Start: Life Insurance 101 — Who needs it
  2. 2Decision: Term vs Whole vs IUL vs Final Expense
  3. 3Estimate: How much coverage do you need?
  4. 4Download: Life Insurance Buyer's Guide (PDF)
  5. 5Curious about being your own bank? Infinite Banking
Free life insurance analysis

I need an estate plan

Wills, trusts, POA, healthcare directives, probate avoidance, plus what the new $15M estate tax exemption means for you.

  1. 1Start: Estate Planning 101 — The 6 documents
  2. 2Decision: Will vs Trust
  3. 3Read: The 2026 estate tax sunset, what actually happened (blog)
  4. 4Download: Estate Planning Checklist (PDF)
Free estate plan audit

I want to eliminate debt

Snowball, avalanche, velocity banking, refi math, debt vs retirement order.

  1. 1Start: The Math of Debt — why it kills wealth
  2. 2Decision: Snowball vs Avalanche
  3. 3Estimate: When you'll be debt-free
  4. 4Strategy: The integrated 5-phase plan
Free debt elimination plan

I need long-term care planning

Traditional vs hybrid policies, Medicaid spend-down rules, when to buy.

  1. 1Start: LTC 101 — The risk most plans miss
  2. 2Real numbers: What LTC actually costs
  3. 3Decision: Traditional vs Hybrid policies
  4. 4Download: LTC Planning Brief (PDF)
Free LTC planning consultation

I'm just learning

No specific goal yet — exploring the basics across topics.

  1. 1Browse: 57-article Education Library
  2. 2Read: Latest blog posts
  3. 3Search: 100+ term glossary
  4. 4Browse: 45 most-asked questions
Ask us anything

Common questions

What does Ten Point Financial Group help with?

Medicare, life insurance, retirement income, long-term care, estate planning, health insurance, and tax strategy for business owners. Pick the path above that sounds most like you.

What if my situation touches more than one area?

That is common. Turning 65 often brings up Medicare, retirement income, and estate questions at once. Start with the most urgent one, and we will connect the rest.

Do I need to read everything before I reach out?

No. The articles and tools are there if you like to learn first. You can also skip straight to a conversation, and we will explain as we go.

Does a first conversation cost anything?

No. The first conversation costs you nothing, and you decide what happens next.

None of these fit exactly?

Most real financial situations touch multiple areas at once. Schedule a free 30-60 minute conversation — we'll listen to your situation and tell you honestly where to start.

Schedule a Free Consultation

Educational content only. Not financial, tax, or legal advice.

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