The Power Play Strategy: Smart Growth Meets Strong Protection
How TFG Uses Indexed Products as a Hybrid
OFFENSIVE FINANCIAL PLANNING
These products are linked to market indexes (like the S&P 500), allowing your cash value to grow based on market performance without direct exposure to losses.
They can capture upside potential with interest crediting linked to index gains, supporting wealth accumulation.
DEFENSIVE FINANCIAL PLANNING
They offer principal protection (your invested capital is not lost due to market downturns).
They have guaranteed minimum interest rates and downside protection, helping preserve capital like a defensive strategy.
They provide life insurance benefits, which serve as a financial safety net.They can capture upside potential with interest crediting linked to index gains, supporting wealth accumulation.
Why TFG Loves our "Hybrid" Approach
Balanced growth and safety:
Clients can pursue growth without exposing their principal to market risks.
Tax advantages:
Indexed products grow tax-deferred, and withdrawals (like loans) can be structured tax-free.
Flexibility:
Clients can adjust premiums, death benefits, and access cash value for opportunities or emergencies.
Legacy planning:
Provides death benefits to heirs, fitting defensive goals of protecting family wealth.
SUMMARY
Offensive planning
Grow what you have.
Defensive planning
Protect what you have.
Indexed products at TFG
Protect and grow — a hybrid strategy combining defense with controlled offense.
Guiding You Through Every Phase of Wealth: Protect, Grow, and Enjoy Your Money
"Protect" connects to the Contribution Phase and your principal protection approach.
"Grow" connects to the Accumulation Phase and safe, aggressive growth.
"Enjoy" connects to the Distribution Phase with strategies to reduce taxes and preserve wealth.
The 3 Phases of Finance
At TFG, we believe every successful financial journey follows three distinct phases: Contribution, Accumulation, and Distribution. Understanding and planning for all three is critical to building and preserving wealth.
Contribution Phase
This is where the journey starts. You're earning and setting aside money—into retirement accounts, investment vehicles, or other financial tools. The focus here is discipline, consistency, and laying the foundation for long-term growth.
Accumulation Phase
Now your money starts working for you. During this phase, the goal is to grow your assets through smart, tax-efficient strategies. At TFG, we help you accumulate wealth safely and aggressively, using products that offer market-linked growth without risking your principal. These financial tools are designed to protect your money from market downturns while still capturing upside potential—so your savings grow, but never shrink due to market losses.
Distribution Phase
This is where most people fall short. The distribution phase is when you start using the money you've built—often in retirement. The problem? Taxes are usually higher in this phase, and if you haven’t planned properly, you could lose a significant portion of your wealth to taxes, inflation, and inefficient withdrawal strategies.
That’s where TFG comes in. Our approach focuses on protecting your principal, reducing tax exposure, and mitigating inflation risk—so you can enjoy retirement without worrying about running out of money or giving too much of it away.
Services
At TFG (Tolbert Financial Group), we are more than insurance advisors—we are your partners in building wealth, protecting your family, and securing your legacy. Our licensed 2-15 financial professionals provide a full range of insurance, retirement, and financial consulting services for individuals, families, and businesses. Whether you're just starting out or planning your legacy, TFG helps you move forward with clarity, confidence, and purpose.
Life Insurance Solutions
Protect your health and finances with comprehensive coverage options:
Term Life Insurance
Affordable, high-coverage protection for a set period—ideal for family income replacement, debt protection, and mortgage coverage.
Whole Life Insurance
Permanent coverage with guaranteed death benefits, fixed premiums, and cash value accumulation.
Index Universal Life (IUL)
Flexible coverage with market-indexed cash growth—ideal for long-term savings, tax-free retirement income, and wealth-building strategies.
Universal Life (UL)
Adjustable permanent life coverage with interest-earning cash value.
Final Expense Insurance
Simple, affordable plans to cover funeral and end-of-life costs.
Accidental Death Insurance
Additional benefit paid for death due to a covered accident—can be added as a rider or standalone policy.
Juvenile Life Insurance
Start early with lifelong coverage and locked-in low premiums for children.
Group Life Insurance
Employer - or organization-sponsored life plans for groups of employees or members.
Health Insurance & Supplemental Benefits
Health coverage that meets federal requirements and includes essential health benefits.
Major Medical (ACA) Plans
Health coverage that meets federal requirements and includes essential health benefits.
Short-Term Medical Insurance
Temporary, flexible coverage for gaps in care or job transitions.
Dental & Vision Plans
Affordable coverage for preventative and emergency care.
Critical Illness Insurance
Lump-sum payout upon diagnosis of a serious illness such as cancer or stroke.
Accident Insurance
Cash benefits paid directly to you after a qualifying accident.
Hospital Indemnity Insurance
Helps cover out-of-pocket expenses from inpatient hospital stays.
Disability Income Insurance
Protects your income in case of an injury or illness that prevents you from working.
Long-Term Care Insurance
Coverage for in-home care, assisted living, or nursing home services.
Medicare Supplement & Medicare Advantage Plans
Additional coverage for seniors to reduce healthcare costs.
Annuities
Create guaranteed income streams and protect your retirement savings:
Fixed Annuities
Stable, predictable interest and income with no market risk.
Fixed Index Annuities (FIA)
Market-linked growth potential with downside protection and tax deferral.
Immediate Annuities
Begin receiving guaranteed income shortly after a lump-sum deposit—ideal for retirees.
Deferred Income Annuities
Lock in future guaranteed income to support long-term financial goals.
Qualified Longevity Annuity Contracts (QLACs)
Delay income from retirement accounts and reduce RMDs for later-life planning.
Retirement & Wealth Strategies
Grow, preserve, and distribute your wealth with strategic retirement planning:
401(k) & IRA Rollovers and Rollouts
Transition funds from employer-sponsored retirement plans to individual plans or annuities—tax-efficient and penalty-free.
Traditional & Roth IRA Planning
Help maximize retirement contributions, optimize tax strategies, and manage withdrawals.
Life Insurance Retirement Plan (LIRP)
Use IUL or Whole Life to create tax-advantaged retirement income while maintaining a death benefit.
Tax-Free Retirement Income (TFRI)
Utilize indexed insurance or annuities to create retirement income streams with no tax liability.
Infinite Banking Concept
Build your own private “bank” using permanent life insurance—borrow, repay, and grow wealth tax-efficiently.
College Funding with Insurance
Tax-deferred strategies to save for children’s education with flexible access to funds.
Estate & Legacy Planning
Preserve wealth, protect heirs, and minimize estate taxes with life insurance-based solutions.
Charitable Giving Plans
Build a lasting impact while receiving tax advantages through strategic giving.
Business & Executive Solutions
Protect and grow your business with strategic insurance and planning tools:
Key Person Insurance
Financial protection in the event of a business owner or key employee's death.
Buy-Sell Agreement Funding
Fund business ownership transfers with life insurance—ensures business continuity.
Executive Bonus Plans (Section 162 Plans)
Employer-funded life insurance for high-performing executives—used as a retention tool.
Group Health, Life, & Disability Benefits
Full-service employee benefit plans to enhance recruitment and retention.
COLI (Corporate-Owned Life Insurance)
Used for funding executive benefits or business liabilities in a tax-efficient manner.
Business Overhead Expense Insurance
Keeps your business running by covering expenses if the owner is temporarily disabled.
Business & Executive Solutions
Protect and grow your business with strategic insurance and planning tools:
Personal Financial Coaching
One-on-one guidance to help you build budgets, eliminate debt, grow savings, and develop financial habits that last.
Business Coaching for Entrepreneurs
Customized support for small business owners—including financial planning, benefit structure, growth strategies, and risk protection.
Wealth & Retirement Planning Consultations
Professional guidance to help you create, grow, and protect your retirement and legacy goals.
Credit & Financial Wellness Education
Resources to help you understand credit, improve financial literacy, and increase your financial security.
Secure Your Future with TFG
Whether you’re planning for tomorrow or protecting what you’ve built, TFG gives you the tools, products, and guidance to take control of your financial future. Our mission is to help you build a legacy—through education, strategy, and expert support.
CONTACT US
7901 4th Street N., Suite 300
St. Petersburg, FL 33702
Mon–Sat: 10 am – 8 pm EST