The TFG 5-Step Process
Our Proven, Virtual Roadmap to Financial Clarity and Lifetime Income
At Tolbert Financial Group (TFG), we’ve developed a proven system to help individuals, families, and entrepreneurs create lifetime retirement income, protect their legacy, and take control of their financial future.
We guide clients through a series of free virtual meetings—each step is intentional, scheduled, and designed to move you closer to clarity and confidence.
⚠️ Our process is our process.
We do not change it based on requests or preferences.
This is how we deliver real results.
And remember—we never collect a fee from you, and we don’t touch your money.
We’re only paid by the carriers once a solution is in place, just like attorneys who invest in their clients before receiving a dime.
"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.
Your Journey with TFG – 5 Structured, Virtual Meetings
Step 1: Free Quick Consult (15 Minutes)
📞 Can we help? And do we want to work together?
This is a brief, no-pressure introduction to:
See if your situation fits what we specialize in
Determine if we’re a good personality and value match
Decide together if we move forward with the full process
🧠 We value our time and yours. This call helps us protect both.
Step 2: Discover & Organize (60 Minutes)
📋 Laid-back, personal, and eye-opening.
This screenshare meeting is all about clarity and connection:
We have an open, honest conversation about your personal, professional, and financial goals
We help you build a simple budget and take inventory of accounts (401(k), IRA, TSP, life policies, etc.)
We begin connecting dots you may have never seen before
💻 This virtual meeting sets the foundation for your entire financial future.
Step 3: Analyze & Optimize (60 Minutes)
🔍 This is where strategy begins.
We take a deep dive into what’s working and what’s not:
Identify hidden fees, underperformance, and outdated products
Show how to reposition current dollars for more protection and income
Clarify the difference between Type 1 accounts (which run out) and Type 2 accounts (which offer guaranteed lifetime income)
📊 Most clients discover they don’t need more money—just better use of what they already have.
Step 4: Illustration & Plan Design Approval
(30 Minutes)
💡 See your future—on paper.
Here, we present:
A customized retirement income illustration
A simple, step-by-step path to the lifestyle and legacy you want
Adjustments if needed—because this is your plan, and it must make sense to you
📈 This is where clarity replaces confusion, and you begin to see your path.
Step 5: Applications Meeting (90 Minutes)
📝 Implementation and protection—all in one.
This meeting covers:
Electronic application setup for approved solutions
Protection planning for death, illness, and income longevity
Full access setup for your direct carrier portals or apps
We offer:
Simplified issue (no medical)
Fully underwritten (deeper savings, expanded benefits)
📱 You remain in full control, with direct access to your chosen carriers at all times.
TFG Gives You:
A written, personalized roadmap from today to retirement
A clear estimate of your guaranteed lifetime income
A team of licensed professionals who coach you through every step
Complete transparency—we don’t take or handle any money
Full access to your accounts via secure apps or portals
🧠 We don’t just educate—we execute. But only with the right clients.
We invest time and resources before we ever get paid.
That’s why we only work with people who trust the process, are serious about results, and value professional coaching.
READY TO BEGIN?
Start with your Free 15-Minute Quick Consult.
No pressure. No sales. Just clarity.
CONTACT US
7901 4th Street N., Suite 300
St. Petersburg, FL 33702
Mon–Sat: 10 am – 8 pm EST