Plan with Purpose. Protect What Matters.
Build Your Legacy.
The Top Minds™ helps professionals and business owners—and their families— protect income, prepare for retirement, and preserve their legacy through our proprietary 360° LIFE DESIGN™ framework.
Your Priorities. Our Focus.
We design strategies around five priorities that matter most to
professionals and entrepreneurs —and their families—
Tax-Efficient Growth
Pursue growth with approaches structured to help preserve assets and provide potential tax advantages.
Family & Legacy Protection
Help safeguard your loved ones and preserve what you’ve built.
Business Continuity
Protect your business legacy with strategies that prepare for succession and sustain operations.
Secure Retirement Income
Turn uncertainty into confidence with strategies to help protect your income and support a dependable retirement lifestyle.
Estate Planning Guidance
Educational support and coordination with other professionals to align documents, beneficiaries, and strategies.
Testimonials
Sarah M.
I truly appreciate the personalized guidance I received from The Top Minds. Their licensed professionals helped me understand important protection and retirement concepts and designed an insurance-based strategy that aligns with my individual needs and long-term goals.
Josh & Lauren B.
After considering many options, The Top Minds stood out for their ability to explain protection and retirement concepts clearly and design an insurance-based strategy tailored to our situation. Their personalized approach gave us greater confidence in our planning. We appreciate their professionalism and guidance.
Vanessa R.
When I was considering what to do with my 401(k), The Top Minds walked me through my options in a way that was easy to understand. Their licensed professionals helped me explore an insurance-based rollover strategy that aligned with my retirement goals. The process gave me more confidence knowing I had a plan designed to provide long-term protection and flexibility.
FAQs
Your Financial Queries Answered by Experts at The Top Minds
We’ve put together answers to the questions our clients ask most often. Our goal is to make complex topics about protection, planning, and insurance-based strategies simple and clear — so you can feel more confident about your financial future.
What makes The Top Minds unique in financial services?
At The Top Minds, we take a personalized approach. Our focus is on understanding your individual priorities and creating strategies that align with your long-term protection and financial goals. By integrating insurance-based solutions with clear, client-focused guidance, we help you feel more confident about your financial future.
How are fees structured at The Top Minds?
Our clients do not pay us fees directly. When we recommend insurance-based strategies, our compensation comes in the form of commissions paid by the insurance carriers. This allows us to focus entirely on helping you find solutions that align with your goals. While we are compensated by the carriers, our commitment is always to put our clients’ needs and best interests at the center of every recommendation.
Can The Top Minds help me even if I’m just starting out?
Absolutely. Whether you are beginning to save or taking your first steps in planning, our services are designed to grow with you. We focus on foundational protection and financial strategies that use insurance-based solutions to help you start building long-term security with confidence.
Is my financial information safe with The Top Minds?
Yes. As licensed insurance professionals, we are required to follow federal and state regulations to protect your personal and financial information. We use industry-recognized safeguards to help keep your information confidential and to reduce the risk of unauthorized access. While no system can guarantee complete security, we are committed to handling your information responsibly and in compliance with all applicable insurance and privacy regulations.
Does The Top Minds provide services to international clients?
Our services are primarily designed for clients in the United States. Under limited circumstances, we may be able to assist international clients, but always on a strict case-by-case basis. Any engagement must comply with U.S. insurance regulations, carrier requirements, and the laws of the client’s country of residence. Because of these legal restrictions, options for international clients are often limited, and eligibility must be reviewed individually before we can proceed.
How often will I meet with my licensed strategist at The Top Minds?
The frequency of meetings depends on your individual needs and preferences. Many clients find quarterly reviews helpful, while for others, an annual review is sufficient to ensure strategies stay aligned with their goals. Our focus is on building lasting relationships, so we remain available to adjust and adapt as your circumstances change over time. Because our strategies are designed for long-term protection and planning, we often serve families across multiple generations.
Are the services offered by The Top Minds considered legal, tax, or investment advice?
No. The Top Minds Strategists operates exclusively as licensed insurance professionals. We provide education and strategies based on insurance products designed to help with protection and long-term planning. We do not provide legal, tax, or investment advisory services. For guidance on those matters, you should consult with a qualified attorney, tax advisor, or financial advisor. Product availability and strategy options may vary by state and carrier, and eligibility is reviewed on a case-by-case basis to ensure compliance with all applicable regulations.
© 2018 - 2025 The Top Minds™ Strategists. All rights reserved. Licensed insurance professionals. We do not provide legal, tax, or investment advisory services.