Business Details
33 Years
experience
Trusted Financial Advisory Solutions in Arizona
Intelligent Directions Insurance Solutions is a professional independent insurance agency specializing in annuities, life insurance, and long-term care solutions. Founded in 1993, we prioritize risk mitigation through insurance-based strategies, offering products from top-rated carriers. Our approach focuses on educating clients rather than aggressive sales tactics, with expertise in tax-deferred growth, wealth transfer, and retirement income planning. Led by Deloitte alumni Mike Johnson, our team brings decades of consulting experience to provide personalized financial strategies. We emphasize transparency, offering free consultations and avoiding hidden fees or management charges.Our services cater to individuals seeking to protect assets, minimize market risk, and create sustainable retirement income streams. We maintain partnerships with major insurance carriers while focusing exclusively on fixed insurance products, avoiding variable contracts with market risk. Our educational resources help clients understand complex insurance mechanisms like FIAs, MYGAs, and LTC annuities. With licenses in Arizona and California, we serve clients nationwide through personalized consultations.
Services
Fixed Index Annuities
Multi-Year Guaranteed Annuities
Long-Term Care Insurance
Life Insurance
Tax-Deferred Investments
Wealth Transfer Planning
Retirement Income Strategies
Insurance Contract Education
Risk Mitigation Consulting
Insurance Product Comparisons
Details
- Year established: 1993
Highlights and features
- Independent agency offering products from multiple top-rated carriers
- No management or planning fees for insurance product recommendations
- Decades of consulting experience from Deloitte alumni leadership
- Focus on fixed insurance products with guaranteed returns, no market risk
- Comprehensive educational resources for complex financial products
What people say
Vast background
Thorough analysis
Personalized solutions
Transparent approach
Expertise in insurance
Services
Fixed Index Annuities
Fixed Index Annuities provide tax-deferred growth with market upside potential and principal protection. These contracts credit interest based on stock market index performance without direct market exposure. Ideal for risk-averse investors seeking growth opportunities, they offer various index options and guaranteed minimum returns. Our experts help clients select appropriate index strategies and contract features.
Long-Term Care Annuities
Long-Term Care Annuities combine savings growth with enhanced LTC benefits. These policies provide tax-free LTC benefits up to 5x the premium while maintaining asset growth. Designed for proactive care planning, they offer flexible coverage options and wealth transfer benefits if care isn't needed. Our specialists help determine appropriate coverage levels based on individual health and financial situations.
Multi-Year Guaranteed Annuities
Multi-Year Guaranteed Annuities offer fixed interest rates for specified terms, outperforming CDs by over 1%. These low-risk investments provide predictable returns with tax-deferred growth. Suitable for conservative investors, they feature penalty-free withdrawal options after age 59.5. Our advisors help clients select optimal term lengths and coordinate with overall retirement strategies.
Wealth Transfer Planning
Wealth Transfer Planning services focus on maximizing inheritance through insurance strategies. Using specialized annuity and life insurance products, we help create tax-efficient legacy plans. Our approach considers estate tax implications and coordinates with legal and tax professionals. Clients benefit from customized solutions that protect assets while meeting family financial goals.
Retirement Income Strategies
Retirement Income Strategies develop guaranteed lifetime income streams using annuity products. We analyze Social Security optimization, RMD requirements, and market risks to create sustainable withdrawal plans. Our approach balances growth potential with principal protection, adapting to changing life circumstances. Clients receive comprehensive roadmaps for maintaining financial security throughout retirement.
People
Michael H. Johnson
Founder
MBA graduate and Deloitte alumni with 30+ years consulting experience. Founded Intelligent Directions Consulting in 1993 after management roles at major accounting firms. Specializes in insurance-based financial strategies, focusing on annuities and risk mitigation without variable product conflicts.
Questions
What types of annuities do you offer?
We offer Fixed Index Annuities, Multi-Year Guaranteed Annuities, Single-Premium Immediate Annuities, Long-Term Care Annuities, and Qualified Longevity Annuity Contracts from top-rated carriers.
How do insurance-based annuities differ from variable annuities?
Our fixed insurance annuities guarantee principal protection with market upside potential, unlike variable annuities that directly expose your investment to market risks.
Can I use IRA funds for long-term care coverage?
Yes, our Long-Term Care Annuities allow qualified IRA money to fund LTC coverage while providing tax-free benefits if needed.
Do you charge management fees for insurance products?
No, we don't charge management or planning fees for insurance product recommendations - our compensation comes from carrier commissions.
How do you help with retirement income planning?
We create customized strategies using annuities to generate guaranteed lifetime income streams while protecting principal from market downturns.
