Step 1
Take the 9 to Know™

Your 9-Question Retirement Analysis

In just nine questions, get a high-level look at:

How prepared your income plan is
Where taxes might blindside you
Whether your current plan supports your long-term care and legacy goals

Your 9 to Know™ Assessment

Step 2
Get Your Annuity Blueprint

Annuity Blueprint – Income
Request a personalized blueprint showing:

Income annuities for guaranteed “paychecks for life”
Growth-focused annuities for asset accumulation
Legacy-enhanced death benefit solutions
Annuities or life policies with LTC-enhanced riders

Request Your Annuity Blueprint

Who the 360° Summit Approach Is For

We’re a great fit if you are:

Age 50–75, retired or approaching retirement
Concerned about not becoming a financial burden on your spouse or children
Want a clear income plan plus a long-term care strategy and updated estate plan
Prefer someone to walk you through options in plain English, with no pressure

Rick Pinarija, CEP®, CLU®, ChFC®, RICP®

Certified Estate Planner®, and Retirement Income Specialist

For over 30 years, Rick has helped individuals and families climb from confusion at the base of the mountain to clarity at the summit of their retirement and estate plans.

He has seen firsthand how long-term care events, medical crises, and uncoordinated documents can derail their best intentions. That’s why he focuses on the following areas:

Coordinating retirement income, tax strategies, and living trusts
Designing LTC funding strategies that protect both lifestyle and legacy
Making sure your plan is practical, understandable, and 360° complete

“My passion is simple: I don’t want families to go through the stress and chaos I’ve seen when there is no plan. Together, we can design a 360° strategy that supports you now and the people you love later.”