At Setter Financial, we help individuals and families understand their options for life insurance, annuities, estate planning, and financial protection. Our approach is simple: understand what you are trying to accomplish, explain your options in plain English, and help you find a solution that fits your needs.

Life Insurance

Protect the people who depend on you with life insurance designed around your family, financial responsibilities, and long-term goals. We work with multiple insurance companies, allowing us to compare available coverage and help you explore the options that may fit your situation.

Term Life Insurance

Affordable life insurance protection for a specific period of time. Term life insurance is commonly used for income replacement, mortgage protection, family protection, education expenses, debt protection, and business needs.

Whole Life Insurance

Permanent life insurance designed to provide lifetime coverage and cash value accumulation, as long as required premiums are paid and the policy remains in force.

Indexed Universal Life Insurance

Permanent life insurance that combines a death benefit with cash value growth linked in part to the performance of a market index, subject to the terms, caps, participation rates, costs, and limitations of the policy.

Final Expense Insurance

Permanent life insurance designed to help provide money for funeral costs, burial or cremation expenses, medical bills, outstanding debts, and other final expenses.

Annuities

Annuities are insurance products that can help address two important financial goals: accumulating money and creating predictable income.

We help clients understand the differences between annuity types and how features such as principal protection, index-linked interest, tax-deferred growth, income guarantees, and market participation work.

Fixed Annuities

Fixed annuities provide a stated or guaranteed interest rate for a specified period, offering predictable growth without direct exposure to stock market losses.

Fixed Indexed Annuities

Fixed indexed annuities provide the opportunity to earn interest based in part on the performance of a market index while protecting the contract from direct stock market losses, subject to contract terms.

Income Annuities

Income annuities are designed to convert a portion of your savings into predictable income, including options that may provide guaranteed income for life.

Registered Index-Linked Annuities

Registered Index-Linked Annuities, or RILAs, combine index-linked growth potential with a defined level of downside risk or protection. RILAs are registered securities and are offered separately through an appropriately licensed securities entity.

Variable Annuities

Variable annuities provide tax-deferred growth with investment options whose values can rise or fall with market performance. Variable annuities are securities and are offered separately through an appropriately licensed securities entity.

Estate Planning

Estate planning helps make your wishes clear, protect your family, organize your assets, and determine how your affairs should be handled if you become incapacitated or after your death.

Setter Financial is affiliated with Estate Guru for estate-planning services. All estate-planning legal services and legal-document preparation are completed through Estate Guru's legal team.

Revocable Living Trusts

A properly created and funded revocable living trust can help manage assets during your lifetime, provide instructions for incapacity, help assets pass outside probate, and provide greater control over how beneficiaries receive property.

Wills

A last will and testament provides instructions for the distribution of probate assets, allows you to nominate a personal representative, and can nominate guardians for minor children.

Financial Power of Attorney

A Financial Power of Attorney allows you to choose someone you trust to handle certain financial and legal matters if you are unable to manage them yourself.

Healthcare Power of Attorney

A Healthcare Power of Attorney allows you to designate someone you trust to make healthcare decisions if you become unable to make or communicate those decisions yourself.

Real Estate Retitling

When appropriate, real estate may need to be retitled into a trust so that the property is properly incorporated into the estate plan. Legal document preparation is handled through Estate Guru's legal team.

Medicare Assistance

Setter Financial can also connect clients with Medicare assistance through our referral partners. Licensed Medicare professionals can help eligible individuals review available Medicare coverage and plan options.

Investment Advisory Services

John Cox also provides investment advisory services separately through Global View Capital Advisors.

Global View Capital Advisors is not affiliated with Setter Financial. Investment advisory services, portfolio management, brokerage or securities activities are not conducted through Setter Financial and are offered separately through the appropriately licensed and registered entity.

Not Sure Where to Start?

You don't need to know exactly which product or strategy you need before contacting us.

Start with a conversation.

We'll discuss what you're trying to accomplish, answer your questions, explain the available options, and help you determine what may make sense for your situation.

Education first. No pressure. Just options.

John Cox | Setter Financial
906-364-1644

Schedule a conversation:
https://calendly.com/jcox-setterfinancial/30min