Services

At TFG (Tolbert Financial Group), we’re more than insurance advisors—we’re your partners in building wealth, protecting your family, and securing your financial future. Our licensed 2-15 professionals offer a full range of services, including health insurance (ACA and private plans), life insurance, annuities, retirement planning, investments, and financial consulting for individuals, families, and businesses. Whether you’re just starting your financial journey or planning your legacy, TFG helps you move forward with clarity, confidence, and purpose.

Insurance Cards

Health Insurance & Supplemental Benefits

Health coverage that meets federal requirements and includes essential health benefits.

Comprehensive health coverage, including ACA-compliant major medical, short-term plans, and Medicare options
Supplemental insurance for added protection, such as dental, vision, hospital indemnity, and long-term care
Financial protection plans including critical illness, accident, and disability income insurance
Preventive, emergency, and extended care solutions designed to support individuals at every life stage

Life Insurance Solutions

Protect your health and finances with comprehensive coverage options

Comprehensive life insurance solutions for individuals, families, and groups
Income replacement, debt protection, and mortgage coverage
Permanent and flexible policies with guaranteed benefits, cash value growth, and adjustable options
Affordable final expense coverage, juvenile plans, and accidental death protection

Annuities

Create guaranteed income streams and protect your retirement savings

Fixed annuities provide steady, risk-free income independent of the stock market
Fixed index annuities offer market-linked growth with protection from losses
Immediate and deferred income annuities provide flexible options for starting income now or later
Retirement income plans help manage tax-efficient withdrawals and long-term savings

Retirement & Wealth Strategies

Grow, preserve, and distribute your wealth with strategic retirement planning

401(k) and IRA strategies, including rollovers, Traditional and Roth options, to maximize savings and manage withdrawals
Life insurance retirement plans and annuities for reliable, tax-advantaged income
Estate, legacy, and charitable planning to protect wealth and make an impact
College funding solutions with flexible, tax-deferred savings options for the future

Business & Executive Solutions

Protect and grow your business with strategic insurance and planning tools

Comprehensive business insurance to protect your company, executives, and employees while ensuring continuity
Key person and buy-sell agreement coverage to safeguard operations and ownership transitions
Executive and employee benefits, including bonus plans, group health, life, and disability coverage
Business overhead and corporate-owned life insurance (COLI) for operational and financial security

Corporate Financial Solutions

Future-proof your business with smart insurance and growth strategies

Personal financial coaching to build budgets, reduce debt, and grow savings
Business coaching to plan, grow, and protect your small business
Wealth and retirement planning to secure your future and legacy goals
Credit improvement, financial education, and long-term planning for lasting financial health

Guiding You Through Every Phase of Wealth

Comprehensive financial planning involves balancing risk management and growth considerations across different stages of life, with the goal of supporting informed decision-making over time.

Protect

Contribution Phase

This phase centers on savings behavior, risk awareness, and planning techniques designed to support capital preservation objectives while building a financial foundation.

Grow

Accumulation Phase

The accumulation phase emphasizes disciplined investment approaches, diversification, and periodic review to support long-term growth objectives within acceptable risk parameters.

Enjoy

Distribution Phase

Distribution planning considers income needs, tax awareness, and sustainability of assets over time, with a focus on aligning withdrawals with broader financial goals.

TFG's Power Play Strategy: Smart Growth Meets Strong Protection

A disciplined strategy that accelerates growth while locking in protection.

The Power Play Strategy is built for decisive expansion without unnecessary risk—combining data-driven growth initiatives with strong safeguards that protect value, momentum, and long-term resilience. It enables bold moves, backed by structure, so progress is fast, focused, and secure.

The Two Types of Financial Planning

Offensive

Grow Wealth Strategically

Maximize growth with unlimited upside, but values can be volatile and may decline in down markets.
Stocks, mutual funds, ETFs, and variable products with direct market exposure and high volatility.
Accessing funds may trigger taxes or penalties.

VS

Defensive

Protect & Preserve Capital

Principal protection & downside safety help shield capital from market losses while offering guaranteed minimum interest crediting.
Upside growth potential is tied to market index performance, allowing clients to participate in gains without direct market risk.
Built-in life insurance benefits provide an added layer of financial security and legacy protection.

Strategic Planning Comparison

Planning Focus	Offensive Planning	Defensive Planning	TFG Hybrid Strategy
Primary Objective	Maximize growth and upside	Protect principal and provide certainty	Combine growth opportunity with built-in protection
Common Vehicles	Stocks, mutual funds, ETFs, variable products	Fixed strategies, guarantees, tax-advantaged contracts	Indexed life insurance & integrated planning strategies
Market Exposure	Direct exposure to market gains and losses	No direct market exposure	Market-linked growth without direct market loss
Downside Risk	Subject to market loss	Principal is protected	Principal protection with upside potential
Upside Potential	Unlimited, but volatile	Limited, stable	Competitive growth tied to market performance
Performance in Down Markets	Account values can decline	Account values remain stable	No market loss during downturns
Tax Treatment	Often taxable (capital gains, income taxes)	Tax-advantaged or tax-deferred	Tax-advantaged growth and tax-free access when structured properly
Volatility	High volatility	Low volatility	Controlled volatility
Access to Funds	May trigger taxes or penalties	Structured access	Strategic, tax-efficient access to capital
Emotional Stress	High during market swings	Low	Reduced stress with consistent rules
Best Use Case	Aggressive growth, long time horizons	Capital preservation, income stability	Long-term wealth building with control and flexibility