About Us
Our Story
Living Prepared was built on a simple idea: insurance and annuity planning deserves the same rigor and transparency as investment management.
Why We Exist
Most insurance advice starts with a product. A policy illustration, a rate comparison, a carrier recommendation. The product comes first, and the plan comes second, if it comes at all.
We believe that is backwards.
Living Prepared, LLC was founded to bring institutional rigor and a client-first approach to insurance and annuity planning. Our team includes CFA® charterholders, CERTIFIED FINANCIAL PLANNER™ professionals, Enrolled Agents, and licensed insurance specialists who have worked at firms like Goldman Sachs and Credit Suisse across New York, London, Hong Kong, and Tokyo.
We start with your situation: your family, your business, your tax picture, your goals. Then we build a protection strategy that fits inside your broader financial plan. We work with multiple insurance carriers to find the right solution, and we coordinate with Whitwell & Co., LLC, our affiliated SEC-registered investment advisory firm, to make sure every piece connects.
The result is insurance advice that actually works inside a financial plan, not next to it.
Our Mission
Institutional-quality planning, applied to protection. We help affluent families and business owners make informed insurance and annuity decisions with the same care, transparency, and analytical depth they expect from their investment advisor.
What drives every recommendation is what the client actually needs, not a sales quota or a corporate target. If the right answer is to buy nothing, or to keep the coverage you already have, that is what we will say. We would rather earn your trust than close a sale.
What Sets Us Apart
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.
Meet the Team
CFA® charterholders, CFP® professionals, Enrolled Agents, and licensed insurance specialists working together under one roof.
View Our TeamLiving 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. Insurance and annuity products are offered through licensed insurance professionals. Living Prepared, LLC is not a registered investment advisor. See our Disclosures for full details.