i.
Tax-Advantaged Growth
Properly structured indexed universal life is designed to credit index-linked gains up to a cap, credit no less than 0% in down years, and build cash value you can access tax-free under current law.
Life · Health · Annuities
Protect what matters most, in minutes.
Staritz Wealth is an independent, licensed Life & Health agency. Handle it together on a free strategy call, or entirely on your own time with a real quote online. Either way, your family gets protected.
Licensed in Georgia
Independent, multi-carrier
Online quotes, no phone call needed
What we guard
Grow it. Guarantee it. Guard it.
ii.
Guaranteed Income
Annuities can turn what you've saved into guaranteed lifetime income, backed by the issuing insurer, so you retire on your terms instead of the market's.
iii.
Family Protection
Life and health coverage that helps keep a diagnosis or a tragedy from becoming a financial collapse, so your family's plans stay on track.
The reality check
Losses hurt more than gains help.
Here is the math nobody shows you at the big firms. When your portfolio drops 50%, a 50% gain does not get you back to even. You need 100%. Whether your money is with a traditional advisor or you manage it yourself, the standard approach rides every crash all the way down: the advisor's fee is still charged in the loss years, and self-managed investors, according to decades of industry research, tend to sell near the bottom and buy near the top. The market has always recovered eventually. The question is whether your timeline, and your nerves, can wait for it.
The market's four modern crashes, measured peak to bottom
The break-even trap. Try it yourself.
Slide to any loss and see what it actually takes to recover. This is pure arithmetic, and it is why protecting the floor matters more than chasing the ceiling.
Gain needed to break even
+54%just to get back
Years to recover at 7%/yr
6.4of pure catch-up
And through every one of those catch-up years, a typical 1% advisory fee keeps getting charged. On $500,000, that is $5,000 a year, in good years and bad.
Why this matters
You cannot control the market. You can control how much of it your plan is exposed to.
- Insurance-based strategies exist that credit index-linked gains up to a cap and credit no less than 0% when the index falls
- They are not a replacement for your employer match or your Roth. They are built for the dollars beyond them
- Whether they fit you depends on your age, cash flow, and timeline. That is a conversation, not a sales pitch
Education with me is always free. Every consultation is no cost and no obligation, whether we ever do business or not.
Get the free education →Educational illustration only. Drawdown figures are approximate peak-to-trough historical declines for the S&P 500 price index: about 49% from 2000 to 2002, about 57% from 2007 to 2009, about 34% in 2020, and about 25% in 2022. Past performance does not guarantee or predict future results. Break-even math is arithmetic, not a projection. References to advisory fees reflect commonly cited industry averages of about 1% of assets under management annually; your costs may differ. No insurance product's performance is illustrated or promised here; caps, floors, participation rates, and charges vary by carrier and product and can change. This content is not investment, tax, or legal advice.
Find your fit
Wealth isn't one product. It's the right tool at the right time.
Anyone who leads with a product isn't building your plan. They're filling their quota. The truth: the right vehicle depends on where you are right now. Here's how the three core tools actually compare, and an honest read on which one fits your season of life.
Term Life
Maximum protection, minimum cost
- Young family, new mortgage, or income others depend on
- Budget matters, and every dollar of premium saved goes to debt and savings
- Your growth is happening in the 401(k) match and Roth for now
- You want the foundation in place today, upgradeable later
Worth knowing: a healthy 30-year-old can often lock in $500k of 20-year coverage for about the cost of a couple streaming subscriptions.
Indexed Universal Life
The tax-advantaged accumulation bucket
- Employer match captured and Roth maxed, or income too high for a Roth
- Strong, steady cash flow and a 10 to 15+ year horizon
- You want a tax-advantaged income bucket with no IRS contribution limits
- Built to be max-funded: minimum insurance, maximum accumulation
Worth knowing: in a properly designed policy, down markets credit 0% rather than a loss (policy charges still apply), and cash value is designed for tax-free access under current law. The trade: your up years are capped.
Fixed Indexed Annuity
Protected growth, with income for life available
- 50+, with a nest egg that took decades to build
- A 2008 five years before retirement is a risk you can't afford
- You want principal protection with index-linked growth
- Optional riders, usually at added cost, can provide guaranteed lifetime income
Worth knowing: the most dangerous decade for your money is the five years before and after retirement. One bad sequence of returns can undo thirty good ones.
So, which one of these sounds like you?
Not sure? Slide to your real numbers below and get an honest read in ten seconds.
Where do you stand? Be honest.
Slide to your numbers. No email required, nothing stored. Your fit updates live.
This tool is educational and intentionally simple. It can't see your full picture (employer match, health, dependents, business ownership, taxes) and is not financial, tax, or insurance advice. Product availability and suitability are determined individually. The one rule that applies to almost everyone: if your employer matches retirement contributions, capture the full match before funding anything else. It's an immediate return no product can beat.
Coverage
Every form of life & health protection, under one roof.
As an independent, licensed Life & Health agent, I'm not tied to a single company, which means I shop the market for the coverage that actually fits you. Here's what we can put in place together.
i.Life Insurance
The cornerstone of any family's plan: a death benefit that replaces income, clears debt, and keeps your loved ones secure.
ii.Annuities
Guaranteed, tax-deferred ways to grow your savings and turn them into income that lasts as long as you do.
iii.Health Insurance
Coverage that protects your savings from the cost of getting sick or hurt, for you, your family, or your business.
iv.Business & Key Person
For owners who've built something worth protecting: coverage that keeps the business running and the people in it secure.
Already know what you need? Skip the call.
Quote real coverage from top-rated carriers and apply online in minutes. Free, secure, and no phone call needed.
How it works
Three steps. Your way.
Meet virtually from anywhere, or sit down together in person. Everything happens on your schedule, with zero pressure either way.
01
Talk
A relaxed call to understand your family, your budget, and what you're trying to protect. You ask anything; I explain it plainly.
02
Tailor
I compare options across carriers and build a plan that fits, with only the coverage you need, at a price that makes sense.
03
Protected
Apply online, get approved, and rest easy. I stay your agent for life, for reviews, questions, and every change life brings.
Your strategist
The person behind the promise.
Taylor StaritzFounder · Wealth Strategist
I've seen this industry from the inside: its ins and outs, what's built to serve families and what's built to serve salesmen. With a direct background in finance, I've watched people make the best financial decisions of their lives, and I've watched them make the worst. The difference was rarely luck or income. It was strategy, and having someone in their corner willing to tell them the truth.
My mission is to help families, business owners, and individuals protect what they've worked their entire lives to build. Life insurance is more than a policy. It's a promise that the people you love will have security, stability, and opportunity no matter what tomorrow brings.
As a Georgia native who loves family, community, and the simple moments in life, whether that's time spent with loved ones or relaxing on the beach, I believe everyone deserves the peace of mind that comes from knowing their future is protected.
My commitment is to provide honest guidance, personalized solutions, and lifelong relationships built on trust, ensuring every client has the protection they need to face the future with confidence.
Taylor Staritz
Founder & Licensed Agent · Georgia
Honest guidancePlain answers and only the coverage you actually need.
Personalized solutionsA plan shaped around your family, not a template.
Lifelong relationshipsOne agent who stays with you for the long haul.
Get started
Let's build your family's plan.
Education with me is always free. Every consultation is no cost, no obligation, and no pressure. Tell me a little about your situation and I'll reach out personally, usually within one business day.
Book onlinePick a time that works
Instant quoteQuote & apply online, no call needed
Call or text770-771-3441
ServingGeorgia, virtual and in person