Financial planning questions in North Carolina

Start with the decision in front of you

Planning for retirement can bring several questions together: health coverage, monthly expenses, income, family protection, and taxes. You may need more than one professional. My role is insurance and education. An investment adviser or tax professional handles advice that falls outside that role.

I'm based in Greensboro and grew up in Creedmoor. Phone conversations are available across North Carolina, including the Triad, Triangle, and Granville County. In-person meetings are arranged individually.

1. Write down your income and regular expenses.

   List wages, pensions, Social Security, insurance premiums, debt payments, and household spending. Keep estimates separate from income you already receive. Use the retirement income guide to organize questions.

2. Prepare for health coverage changes.

   If employer insurance is ending, ask your benefits administrator about coordination and your family's coverage before canceling it. Bring the coverage notice to a Medicare enrollment conversation.

3. Review what your life insurance is meant to cover.

   List dependents, debts, and existing policies. Review beneficiaries and policy costs. The life insurance guide explains the questions to ask before comparing coverage.

4. Understand an annuity before considering one.

   An annuity is an insurance contract. Ask about fees, surrender charges, access to money, and how payments work. NC DOI explains that most annuities are long-term contracts. Read the annuity guide and compare the actual terms.

5. Choose the right professional for personal advice.

   For investment advice, check the professional and firm through Investor.gov. Ask about registration, services, compensation, and conflicts. For tax decisions, speak with a qualified tax professional about your own facts. My taxes and retirement articles are educational.

What a conversation with me covers

Bring the insurance question you want to work through and any relevant policy or employer notices. Don't send Social Security numbers, account numbers, or medical records through the request form. The consultation has no cost and no obligation to buy. Insurance products have their own costs, eligibility rules, and limits.

I represent a limited number of insurance companies and receive a commission if you buy a policy through me. I'm not a CPA, CFP professional, or registered investment adviser.

Sources and related help

• NC DOI: annuities
• Investor.gov: check your investment professional
• Medicare help by town
• About Christian and license information

Updated November 9, 2026. Educational information, not personal investment or tax advice.

(919) 408-6671