^{Our Mission}Frequently Asked Questions

39 Black Diamonds is a retirement planning and insurance services firm dedicated to helping individuals and families build financial confidence through education, protection-focused strategies, retirement income planning, and legacy-minded solutions. Our goal is to help clients prepare for retirement with greater clarity, confidence, and peace of mind.

We provide retirement income strategies, wealth protection strategies, life insurance planning, legacy planning, financial wellness education, and retirement-focused planning conversations tailored to each client’s goals and stage of life.

The 39 Black Diamonds Strategy is our personalized approach to retirement planning, built around the principles of education, protection, retirement income, and legacy preservation. As part of this approach, we use a bucket-based retirement income methodology that helps organize retirement resources into short-, intermediate-, and long-term time horizons. This framework is designed to help create reliable income, manage financial uncertainty, and support greater confidence throughout retirement.

One of the key benefits of the 39 Black Diamonds Strategy is organizing retirement resources according to when they may be needed. By separating short-term income needs from longer-term growth objectives, many retirees gain greater confidence during periods of market volatility and may be less likely to make emotional financial decisions during changing market conditions. Every strategy is personalized to each client's goals, priorities, and retirement income needs.

Yes. As part of our retirement income planning approach, we help clients understand how annuity solutions may fit within their overall retirement strategy. Depending on individual goals and circumstances, annuities can offer features such as guaranteed income options, principal protection, and long-term retirement income support. Every conversation begins with education so you can make informed decisions with confidence.

Yes. We help individuals and families explore life insurance solutions designed to protect the people they care about most. Whether your goal is income protection, family security, legacy planning, or wealth transfer, we work with you to identify solutions that align with your unique needs and long-term objectives.

We are licensed insurance professionals specializing in retirement income and protection planning. Our focus is on helping clients understand insurance-based strategies and retirement income solutions that support long-term financial confidence. When appropriate, we encourage clients to work with their tax, legal, or investment professionals as part of a well-coordinated financial strategy.

At 39 Black Diamonds, we believe retirement planning should feel personal, educational, and easy to understand. Every conversation begins with understanding your goals, concerns, and priorities before discussing possible strategies. Our philosophy is simple: Build. Protect. Preserve. We help clients organize retirement income, protect what they've worked hard to build, and create a lasting legacy with confidence.

Our planning conversations are guided by five core principles:

• Safety Before Growth
• Education Before Recommendations
• Retirement Income Matters
• Managing Risks Proactively
• Legacy Matters

These principles help guide every conversation and every recommendation, ensuring our approach remains focused on helping clients build confidence, protect what matters most, and prepare for the future.

Our planning process is designed to help you make informed decisions with confidence and is guided by four simple steps:

Discover – We begin by getting to know you—your goals, priorities, concerns, and current financial picture.

Evaluate – Together, we review your existing retirement strategies, protection needs, income goals, and identify opportunities to strengthen your overall financial foundation.

Design – Based on your unique circumstances, we develop personalized strategies and insurance-based solutions that align with your retirement goals, protection priorities, and long-term vision.

Review – As life changes, your strategy should evolve as well. Through ongoing Wealth Wellness Reviews, we help ensure your plan continues to support your goals and adapts to changes in your life and retirement needs.

We work with individuals, families, pre-retirees, retirees, and business owners who want to prepare for retirement, protect what they've worked hard to build, organize retirement income, and create greater financial confidence. Whether you're planning for the future or already enjoying retirement, our educational, personalized approach is designed to help you make informed decisions with confidence.

Yes. We view retirement planning as an ongoing relationship rather than a one-time event. Through regular Wealth Wellness Reviews, we continue to review your goals, discuss life changes, and evaluate whether your retirement income and protection strategies remain aligned with your evolving needs. Our commitment is to provide ongoing guidance and support as you move through each stage of life.

During your first consultation, we take time to understand your retirement goals, current financial situation, and any concerns you may have about retirement income or protection planning. Our process is educational, pressure-free, and designed to help you better understand your available options. Our goal is to answer your questions, understand your priorities, and determine whether our services are the right fit for your needs.

We believe informed clients make better decisions. That's why every conversation begins with understanding your goals and explaining available options before discussing any recommendations. Our commitment is to provide clear, educational guidance so you can make decisions with confidence.

Getting started is simple. Schedule a complimentary Discovery Call using the link below, and we'll begin with a conversation focused on your goals, priorities, and retirement vision. We'll take the time to understand your unique situation, answer your questions, and determine whether our educational, protection-focused approach is the right fit for your needs. If we both feel there's a good fit, we'll guide you through the 39 Black Diamonds Planning Process—Discover, Evaluate, Design, and Review—to help you build confidence for the future.