Built for people with growing income, assets, and complexity
Most people with growing income and assets are doing “the right things”: maxing out retirement accounts, investing consistently, staying exposed to growth. What often gets missed is how protection, taxes, and income fit together over time.
This page exists to help you pressure-test that gap.
Markets have been strong. That doesn’t mean your plan is resilient.
Independent research from EY shows that retirement strategies combining investments, permanent life insurance, and guaranteed income produce more reliable outcomes than investment-only approaches — across thousands of market scenarios.
This isn’t about predicting the future.
It’s about building a plan that still works if returns change, taxes rise, or timing goes against you.
Liza Johnson Wong and Patti Grogan bring complementary experience across strategy, research, and real-world client work.
Liza focuses on the long-term structure of financial plans. She works with high-income professionals and founders to understand how protection, taxes, and income interact over time, using independent research to guide decisions rather than product-driven assumptions.
Patti brings hands-on experience working directly with families as they weigh tradeoffs around liquidity, risk, and timing. She helps translate complex options into clear next steps that fit real lives, not ideal scenarios.
Together, they provide clear, human guidance grounded in research and practical judgment — helping clients understand not just what’s possible, but what actually makes sense for them.
EY analyzed 1,000 different market paths using Monte Carlo modeling to see how retirement plans perform across many possible futures.
Across those simulations, plans that combined investments with permanent life insurance and guaranteed income consistently showed:
A concrete example from the research
For a 35-year-old couple who:
The integrated strategy resulted in:
— compared to an investment-only approach.
The takeaway
This isn’t about replacing investing.
It’s about adding structure so your plan holds up across different market conditions, timelines, and outcomes.
This is:
This is not:
You control the pace. You decide what happens next.
Swap five minutes for a clearer view of your options.
If nothing changes, you leave better informed.
If something does change, it’s because it makes sense for you.