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Welcome to Ryourassetsprotected.Com Are your loved ones protected? Long Term Care Insurance The Power of Tax-Deferred Growth It May Be Time for a Financial Checkup

Welcome to Ryourassetsprotected.Com

"Are your assets protected?"  A rhetorical, but very real question!  Most people don't know and to what degree their assets are protected.  Have you run a "financial fire drill" lately?  Remember in grade school there were always fire drills from time to time.  And this was prudent to do so. It is always good to run scenarios or drills. Think about the military and your local police department...they are always running drills.  If you have not looked at the "what ifs" in your financial situation lately and you are reading this, it might be a good time to ask yourself some questions like:  What if the breadwinner of my home were to become disabled for 5 or more years? Would the pay keep coming at the same level? What if that breadwinner died prematurely?  Do we have enough coverage?  Enough being the important word, because most people have not done this financial fire drill.  These questions are just the beginning of running a "financial fire drill".

Has your financial advisor even discussed in great detail the benefits of Long Term Care Insurance?   Do you invest your money in something that is guaranteed, but can also have the potential to return more than the inflation rate?  And of course a Bank CD won't keep up with inflation. Not to mention, the gains in a Bank CD are taxable also.

 If you are a high income earner, making more than $150k/ year and you have Group Disability Insurance through your employer, do you know if your disability benefits would be taxable if you became disabled?  And more importantly, are your benefits capped?  If you don't know the answers to these 2 questions, there is a chance that your paycheck may not even be halfway protected, although you may have some Group Disability Income Insurance.

If you are a small business owner and you have a partner(s); do you have a "Buy Sell Agreement" in place and funded

"Your assets" may have a large monetary value, or it could be to protect your peace of mind in knowing that you and your spouse will have quality long term care in later years.  Protecting your assets may be making sure that your family is financially sound should something happen to you.  Protecting your assets could mean having a plan that uses other products should the stock market or the real estate market have a 25% correction! Everyone is different and each person has different goals and dreams; however, in any case, take a little time to do your own "financial fire drill".  You will be glad you did...and you will feel even better when you have a strategy in place. "Ryourassetsprotected.com" offers multiple protection products from multiple insurance carriers to assist you in implementing your own asset protection strategy!

This website is designed to have your questions and concerns answered in an easy manner.  It is true that some people spend more time planning their next vacation than financial planning and taking the time to sit down with a professional to discuss their "financial fire drill".

"Ryourassetsprotected.com" is a comprehensive financial services firm that is independent and is committed to helping our clients improve their long-term financial success, and helping protect the assets that are important to them. Our customized programs are designed to grow, protect, and conserve our clients’ wealth.

We encourage you to explore our site and learn more about the services we provide. Should you have any questions or would like more information on our firm, please feel free to contact us.  

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Our Company

Our company is a collaborative effort to make individuals, families and business owners aware of the importance of asset protection in their lives and businesses.  We do this by allowing other financial advisors and  agents to market our website to let interested clients be aware of asset protection products.  Your financial advisor or your local agent may have given you our website address to get the services that they know you need, but they may not specialize in offering these services.

What you need to know is that most of our agents and/or employees affiliated with "Ryourassetsprotected.com" will have at least 3 years of experience in the financial services industry.

We are advocates for the consumer who seeks knowledge of financial products that help protect their assets.

Many of our agents have worked directly for large financial firms who may or may not have had their client's best interest at hand.  Having experienced this themselves, they are eager to provide you with the best products that fits your interest first!  By being small and independent, we are in a better position to provide recommendations that are congruent with your financial interest.

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Our Services

We work directly with individuals, families, business owners and other financial advisors by providing Disability Income Insurance needs analysis, Life Insurance needs analysis, Long Term Care needs analysis and Conservative Financial Planning.We sell many types of Life Insurance products; whole, term, universal life.  We sell Disability Income Insurance, Long Term Care Insurance and Fixed Annuities through large and well established Insurance Companies.

We may work with Financial Advisors, CPA's, Estate Planning Attorneys and Property and Casualty Agents who manage assets, provide tax and legal services and insure commercial property as their primary service and need our services for their clients in the above mentioned categories.  We can facilitate in making sure a comprehensive plan is in place.

We also provide educational seminars on financial products at Colleges and Universities in Florida.-60 day notice is required and we may only participate on a selected basis.

 

 

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Meet Our Team

F. LaWayne Gallon, ChFC., CRPC. is the founder and coordinator of  " Ryourassetsprotected.com." Mr. Gallon has more than 15 years of experience in the financial services industry and has the practical experience of working with many clients over the years. He has worked for some of the largest banks, insurance companies and brokerage firms in the United States. Mr. Gallon has worked with hundreds of individuals and families throughout his financial services career.  He has had some of the best training in the financial services industry.  Mr. Gallon began his financial services career as an Account Executive with banking software company, Kirchman Corporation in 1997.  He would later work for Merrill Lynch during the "dot com" bubble as a Financial Advisor.  He has worked on the retail banking platform for First Union National Bank and PNC Bank, providing loans for both commercial and personal lines. He also worked as a Personal Financial Representative with Allstate for 5 years and managed millions of dollars for clients as a Financial Advisor with Morgan Stanley Smith Barney in 2011.

F. LaWayne Gallon is a former U.S. Navy Lieutenant and earned a Bachelors degree in Mathematics from the The Citadel, the Military College of South Carolina in 1988.  He is also a Life Time Member of the VFW(Veterans of Foreign Wars).

Mr. Gallon has been a licensed insurance agent in the State of Fl. since 1999.  If you can think of a retail financial services product, Mr. Gallon has either sold that product or has had training on that product with a large financial services firm.

Mr. Gallon founded "Ryourassetsprotected.com" to provide a source of information for consumers regarding asset protection and insurance products while at the same time providing financial advisors, CPA's, Estate Planning Attorneys and property and casualty agents a resource to find great life insurance agents with practical experience to assist them with providing the services their clients need.