tax-efficient investment structures, and income protection mechanisms. TOP Planning uses structured insurance products and specialized annuity contracts to help manage market risk in client portfolios. The practice also provides fee-based asset management and financial planning in coordination with partner SEC-registered investment advisors. In addition, it operates a specialized insurance brokerage that places fixed and indexed annuity products tailored to client objectives. The firm emphasizes customized planning for late-stage wealth distribution, legacy design, and intergenerational wealth transitions.