Business Details
Independent Insurance Solutions in Portsmouth, NH
At Helm Financial, we believe the insurance industry requires a fundamental shift toward transparency and client-centric service. Our founders, with extensive experience in traditional insurance models, recognized the ethical gaps in conventional sales practices where commissions often override client needs. We established Helm Financial to disrupt this paradigm, prioritizing radical transparency and unbiased recommendations. Our team of insurance specialists combines deep industry knowledge with a commitment to fiduciary responsibility, ensuring every policy recommendation aligns with the client's best interests. We leverage a nationwide network of carriers to secure competitive rates while maintaining rigorous underwriting standards.Our streamlined process eliminates unnecessary complexity through single-application systems and centralized medical evaluations. With a focus on life, disability, long-term care, and annuity solutions, we serve both individual clients and business owners seeking trustworthy coverage. Our collaborative approach empowers financial advisors with comprehensive tools to meet diverse client needs. Through continuous innovation and ethical practice, we aim to redefine industry standards while delivering measurable value to every client relationship.
Services
Life Insurance
Disability Insurance
Long Term Care Insurance
Annuities
Trust-owned Life Insurance
Buy Sell Insurance
Key Person Insurance
Executive Insurance
International Life Insurance
Inforce Illustration Services
Details
- Year established: 2025
Highlights and features
- We operate a truly independent model accessing exclusive insurance options.
- Our team consists of specialized insurance professionals with industry expertise.
- We implement a streamlined process with single applications and centralized exams.
- Multiple carrier competition drives higher approval rates and lower premiums.
- Client testimonials confirm our commitment to personalized service and transparency.
What people say
Radically transparent process
Excellent rates
Personalized service
Knowledgeable team
Smooth experience
Services
Life Insurance
We provide comprehensive life insurance solutions tailored to individual and business needs. Our independent brokerage model accesses multiple carriers to find optimal coverage at competitive rates. Policies protect beneficiaries while aligning with long-term financial goals.
Disability Insurance
Our disability insurance products safeguard income streams against unexpected career interruptions. We offer customized plans that maintain financial stability during recovery periods while balancing premium affordability and coverage adequacy.
Long Term Care Insurance
We design long-term care policies addressing future healthcare needs while preserving estate value. Our solutions help clients manage assisted living costs and protect assets through strategically structured coverage options.
Annuities
Our annuity products provide guaranteed income streams for retirement planning. We offer objective analysis of fixed, variable, and indexed options to help clients achieve financial security during post-employment years.
Trust-owned Life Insurance
We specialize in trust-structured life insurance policies for estate planning. These solutions facilitate tax-efficient wealth transfer while providing liquidity for estate settlement obligations through customized trust arrangements.
People
Zachary Taylor
Partner
Zachary leads Helm Financial's strategic growth initiatives while maintaining Maine residency. With deep industry expertise, he focuses on transforming insurance sales ethics through transparent practices that prioritize client interests over commissions.
Alex Grammatic
Partner
Alex combines insurance expertise with family-oriented values, managing client relationships from policy selection through implementation. His background includes developing customized solutions for high-net-worth individuals and business owners.
Luke O'Connor
Head of Operations
Luke oversees operational efficiency while balancing outdoor pursuits in Utah. He implements systems ensuring seamless policy processing and maintains carrier relationships that support competitive pricing structures.
Questions
What makes Blue Herring different from other insurance brokers?
We operate as independent fiduciaries, accessing multiple carriers to find optimal solutions without commission-driven incentives. Our streamlined process includes single applications and centralized medical evaluations.
Do you offer both personal and business insurance solutions?
Yes, we provide comprehensive coverage for individuals including life, disability, and long-term care policies, plus business protections like key person insurance and buy-sell agreements.
How do you help clients find competitive insurance rates?
We create competition among multiple carriers to drive down premiums while maintaining underwriting quality, resulting in better approval rates and cost-effective solutions for clients.
What insurance products do you specialize in?
We focus on life, disability, long-term care, and annuity solutions, with specialized expertise in trust-owned policies and high-net-worth family office insurance requirements.
