Financial Planning in Memphis
Insurance & Wealth Strategies
Modern Financial Planning Tailored to Your Life
As a Memphis-based financial advisor, I bring a modern approach to financial planning tailored to your unique needs.Whether you're looking to safeguard your family's future with Whole Life or Term Life insurance, planning for a comfortable retirement with Annuities, or building long-term wealth through Indexed Universal Life, I offer personalized strategies that evolve with you. Let's work together to secure your financial peace of mind, today and in the years ahead.
KLH Financial LLC
At KLH, we prioritize your financial future by offering tailored life insurance and annuity solutions. We take pride in establishing lifelong connections with clients by earning your trust and putting your best interests first.
We don't just write policies, we build relationships.
Whether you’re seeking a second opinion on your retirement plan or just getting started, Our expertise will guide you toward a secure, comfortable financial future.
Life insurance is a combination of caring, commitment and common sense.
- Howard Wight
Our Services
As an independent licensed insurance agency, we are able to offer you a vast range of insurance products from top-rated carriers. We will be able to find the right product for your specific needs and plan
Insurance Solutions
With a focus on both term and whole life insurance, I offer personalized plans that cater to individuals, families, and businesses. I also assist with retirement planning through IULs and annuities, ensuring financial security for the future.
Financial Planning
I provide tailored financial strategies, whether you're looking to invest, save for retirement, or protect your wealth. My approach ensures you have the right tools and knowledge to meet your financial goals.
Notary Services
As a commissioned public notary in Tennessee, I offer and remote online notary services to help with your legal document needs.
At KLH Financial LLC
I began my journey in financial services in June 2022. Driven by a desire to offer more personalized and comprehensive services, I launched my independent brokerage in May 2024. This transition allows me to better serve my customers with a wider range of products and a more client-focused approach.I am a licensed financial advisor in Tennessee, Michigan, Mississippi, Texas, and Ohio.
My NPN number is 20463329.
Mission
I believe in the power of education and strive to help my clients understand the financial products they are investing in. Whether you're planning for retirement, protecting your family, or looking to grow your wealth, I am here to guide you through every step of the way.
Questions About Your Retirement?
Ask the Experts!
Insurance products can be complex. We are here to help you navigate the numerous option to find a financial strategy that makes the most of your income, retirement, and investments.
Questions about Insurance?
Insurance products can be complex. We are here to help you navigate the numerous option to find a financial strategy that makes the most of your income, retirement, and investments
Term Life Insurance
Affordable:
Provides coverage for a set period at lower premiums.
Simple: Ideal for temporary financial protection needs.
No Cash Value: Purely for life coverage, no savings component.
Whole Life Insurance
Lifetime Coverage:
Permanent protection with fixed premiums.
Cash Value: Builds savings over time, which can be borrowed against. Stable: Guaranteed death benefit and cash value growth.
Annuities
Income Stream:
Converts savings into regular income, often for retirement.
Tax-Deferred: Earnings grow tax-deferred until withdrawal.
Customizable: Options for fixed, variable, or indexed payouts.
Indexed Universal Life (IUL)
Flexible:
Adjust premiums and death benefits over time.
Cash Value Growth: Linked to market indexes with protection against losses. Tax Advantages: Potential for tax-free loans and withdrawals.
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