Business Details
Your Trusted Financial Advisers in Providence, RI
Independent Benefit Solutions is dedicated to helping clients secure their financial future through expert guidance and tailored solutions. With a team of experienced professionals, we provide comprehensive insurance and financial planning services, including life insurance, Medicare plans, annuities, and retirement income strategies. Our non-captive approach allows us to analyze over 75 carriers to present the best solutions for each client. We prioritize superior customer service, combining attention to detail with a compassionate touch. Founded on principles of trust and integrity, our mission is to empower clients to achieve their financial goals and protect their legacy.Our teams expertise spans decades, with specialized knowledge in asset protection, tax-efficient wealth transfer, and risk management. We serve individuals and businesses across multiple states, offering personalized consultations to address unique needs. Our commitment to ongoing education ensures clients receive up-to-date advice aligned with evolving market conditions. By fostering long-term relationships, we aim to be a trusted partner in navigating financial challenges. Our services are designed to provide peace of mind, ensuring clients and their families are prepared for lifes uncertainties.
Services
Life Insurance
Disability Insurance
Health Insurance
Medicare Plans
Long Term Care
Retirement Income
Business Worksite Solutions
Voluntary Benefits
Property Insurance
Annuities
Highlights and features
- We offer over 18 years of experience in financial services and insurance.
- Our non-captive approach ensures unbiased solutions from 75+ carriers.
- We provide personalized service with a compassionate, client-first focus.
- Our team holds advanced certifications, including CLTC designation.
- We specialize in tax-efficient wealth transfer and legacy planning strategies.
What people say
Most honest
Like family
Knowledgeable
Prompt service
Detail-oriented
Services
Life Insurance
Life insurance provides financial protection for loved ones, offering peace of mind through tax-free death benefits. We offer term, whole, and indexed universal life policies tailored to individual needs. Our solutions help clients secure their familys future while addressing estate planning and legacy goals.
Medicare Plans
We specialize in Medicare Supplement and Advantage plans to fill coverage gaps in Original Medicare. Our experts help clients navigate options to find affordable plans that cover prescriptions, dental, and vision needs. We ensure compliance with CMS regulations while optimizing benefits for retirees.
Annuities
Annuities offer tax-deferred growth and guaranteed lifetime income streams. We provide fixed, indexed, and immediate annuities to protect assets from market volatility. Our solutions help retirees avoid outliving savings while creating predictable cash flow for long-term financial security.
Long Term Care
Long-term care insurance protects assets from depletion due to chronic illness or disability. We offer individual and group policies that cover home care, assisted living, and nursing home expenses. Our plans include inflation protection and flexible benefit periods to match client needs.
Business Worksite Solutions
We help businesses attract talent through competitive benefits packages, including group health, life, and disability insurance. Our solutions reduce employer costs while offering portable coverage for employees. We also provide key person insurance and buy-sell agreements to protect business continuity.
People
Nicholas H. Pacheco
CLTC, Financial Services Representative
Nicholas has 18+ years in financial services, specializing in retirement income and legacy planning. A Bronze Star recipient, he focuses on tax-free wealth strategies and holds licenses in 11 states. He graduated from Rhode Island College with a Finance degree.
Corey M. Lamirande
Financial Services Representative
Corey is a 23-year Army veteran with expertise in government fiscal management. He specializes in aligning financial plans with military-to-civilian transitions. Corey holds advanced degrees in business management and prioritizes client education in financial decision-making.
Stephanie Pacheco
Office Manager
Stephanie manages daily operations and client communications for Independent Benefit Solutions. With a focus on organizational efficiency, she ensures seamless service delivery and client support across all insurance and financial planning inquiries.
Questions
What insurance products do you offer?
We offer life, health, disability, Medicare, long-term care, annuities, and business insurance solutions.
Are you licensed in my state?
We are licensed in RI, MA, CT, ME, NY, FL, OH, SC, NC, MS, and NH.
Do you provide free consultations?
Yes, we offer complimentary reviews and quotes for all our insurance services.
How do you select insurance carriers?
We work with 75+ carriers to ensure unbiased, competitive options for every client.
Can you help with retirement planning?
Yes, we specialize in annuities and strategies for guaranteed lifetime income streams.
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