If you don't even know what to ask yet

We do not start with product names. We start by figuring out where you actually stand.

What we do in 30 minutes

1. What do you spend now?A rough figure from the last three months. Precision is not needed.
2. What will you need after you stop working?Usually 70–80% of today. We also look at what goes up.
3. What is already coming in?Social Security, employer plans, your spouse. Most people have more than they thought.
4. What is the gap?Once that one number exists, we can talk about how to close it.

What to bring

Nothing. No documents, no background reading. Rough numbers are enough — and if you do not have those, we will find them together.

What this is not

• Not a solicitation. You can do nothing at all when the 30 minutes are up.
• Not investment advice. I do not offer securities products.
• Not a tax opinion. Confirm every tax question with your own CPA.

How I get paid

The call is free and carries no obligation. If you later place a policy through me, the carrier pays me a commission. That is exactly why I do not pitch on the call — selling someone the wrong thing ends in a lapsed policy, which is a loss for both of us.

Available in Korean and English.