Living Today | Prepared for Tomorrow
Life Insurance and Annuity Planning for Affluent Families and Business Owners
Independent advice, integrated with your wealth management plan. Living Prepared helps you protect what matters most with insurance and annuity strategies designed for complex financial lives.
Free and private. No obligation, and no pressure, ever.
What We Can Solve for You
Four focused areas where the right insurance and annuity strategy makes the biggest difference for affluent families and business owners.
Estate Planning
How do you make sure your family keeps the wealth you built, without a forced sale or a surprise tax bill? Estate liquidity strategies designed for high-net-worth households.
Explore Estate Planning
Business Succession and Key Person Planning
What happens to your business if a partner dies or a top producer leaves? Succession funding and key person protection that keeps your company standing.
Explore Business Planning
Start With Your Goal
What Would You Like to Accomplish Today?
Tell us the outcome you want. We point you to the insurance or annuity strategy that fits, and coordinate it with your tax and investment plan.
Free Tool
Estimate Your Life Insurance Need
A four-section calculator built for affluent households: income replacement, estate liquidity, business obligations, and existing coverage. The standard 10x-income rule rarely fits at higher net worth. See the number behind your situation in under three minutes.
The Difference
Why Living Prepared
Wired into a tax-smart cash flow plan
Your insurance does not sit in a silo. Through our family of firms it connects to your cash flow and your tax picture, so a policy is one part of a coordinated plan, not a standalone sale.
Plan first, product second
Most insurance starts with a product. We start with your life, your goals, and your plan, and let the product be the last decision, not the first.
Tax-aware, by design
With an Enrolled Agent on our team and our affiliated tax firm, Whitwell Tax & Ledger Co., we coordinate ownership, beneficiary, and timing decisions with your tax advisors so avoidable tax traps are caught before you sign.
Plain English, always
Insurance turns technical fast, and the jargon overwhelms even seasoned advisors. We translate every option into plain language, with the tradeoffs, so you can decide with confidence.
Independent, never captive
We are not tied to any single carrier. We work across the market and recommend what fits you, not what a home office needs sold this quarter.
Institutional rigor
A team with backgrounds at Goldman Sachs and Credit Suisse, holding CFA®, CFP®, and EA credentials, bringing real analysis to a field too often run on sales scripts.
Honesty over the sale
No quotas and no pressure. If a less expensive option does the same job, or you do not need what we sell, we will tell you.
We do not disappear after the sale
We revisit your coverage as your life, the products, and tax law change, catching a policy that no longer fits before it becomes a costly problem.
A Family of Firms, One Integrated Strategy
Living Prepared, LLC is an affiliate of Whitwell & Co., LLC, an SEC-registered investment advisory firm, and is under common leadership with Whitwell Tax & Ledger Co., a tax and accounting firm. Three specialties, one table, so your insurance, investments, and taxes work as one plan.
Living Prepared
Insurance & Annuities
- ✓Life insurance strategy and placement
- ✓Annuities and retirement income
- ✓Long-term care planning
- ✓Business succession and key person coverage
Whitwell & Co.
Investment Advisory
- ✓Investment strategy and portfolio management
- ✓Cash flow and financial planning
- ✓Business exit and transition planning
Whitwell Tax & Ledger Co.
Tax & Accounting
- ✓Tax planning and preparation
- ✓Bookkeeping and accounting
- ✓Coordinated tax strategy across the family of firms
Free, private, two minutes
How protected is your family?
Answer seven quick questions for an honest scorecard across income, estate liquidity, debt, long-term care, and how well it all fits together. No email required to see your score, and your answers are scored in your browser. If you want the full report, we will email it to you. No pressure, ever.
Business Owners: Five Questions That Matter
- 1What happens to your business if you or a partner dies unexpectedly?
- 2Has your buy-sell agreement been reviewed since Connelly v. United States?
- 3Are you overpaying the success tax in hidden complexity?
- 4Is your business valuation current and defensible?
- 5Would your family inherit a plan or a problem?