Captive Advice:

  • Works exclusively for one insurance company, obliged to give business to only that company.
  • Priority is to develop business for the parent company above all others.
  • Provided with office allowance, benefits package, and pension from parent company.
  • Starting resources are often provided by the parent company.
  • Parent company can prohibit cross-selling other insurance carriers limiting options for the client.
  • Parent company can discontinue selling certain lines if unprofitable, resulting in loss of clientele.
  • Inability to refer customers to whom you cannot sell a policy.

Parent company pushes certain policies (example: Whole-Life Insurance) over others and require agents to meet strict quotas at the risk of being terminated.

Independent Advice: Safe Money Approved

  • Represent multiple insurance companies and work on behalf of the client to provide the best products and policies to suit the client’s needs.
  • Freedom to sell multiple carriers without quotas.
  • Provide their own resources to start their business.
  • Freedom from strict regulations from a parent company to only sell one company.
  • Freedom to cross–sell other lines of insurance.
  • Ability to compare prices, products, features, and service among a variety of insurers.
  • Ability to sell a policy through another insurer if primary insurer cannot write the policy.
  • Much larger product selection.

What Makes Safe and our Independent Network of Safe Money Advisors Different?

We are in business to give you the resources you need to help ensure your financial security in retirement. Being a small boutique insurance firm focused on providing the best results for the consumer, we take the time to only build relationships with Independent Financial Professionals that believe in full disclosure and that you can trust. The advisors within our independent network have proven their loyalty to the consumers’ needs first. is your consumer portal to an independent financial network of nationally licensed ‘Safe Money Experts’. Approved Experts

Safe Money Approved


Gregory Bodoh

Warrenton Virginia | 540-347-2125

Karen Geiger

Akron Ohio | 330-644-8770

Michael Marrone

Marlton New Jersey | 856-988-6618

Andrew Heese

Arvada Colorado | 303-523-3631

John Cornish III

Glendale California | 951-704-6400

Mary Wilkinson

Fredericksburg Texas | 830-914-6049

Todd Kiry

Hammonton New Jersey | 856-816-6525  

Jim Chilton

San Diego California | 800-689-4851

Bill Emery

Dunnellon Florida | 800-465-7354

Mark Gilbertson

Eau Claire Wisconsin | 715-832-6201

John McFarlane

South Abington Pennsylvania | 570-586-5578 # 1

Safe Money Resource Services

We are the most qualified and trusted independent financial network of "Safe Money Experts" in America. We have selling agreements with almost every top-rated independent insurance carrier that offers life insurance and annuities. Because of this, we can offer the most non-biased advice. We have had the opportunity to see this industry from every angle: as financial advisors, consumers, consultants and currently as wealth planners to the consumer, and financial coaches to the independent financial service professionals around the country. We have had countless opportunities to see the difference that great financial advice can create.
Safe Money Resource and educate the general public, as well as the independent financial service professionals, on Safe Money Alternatives to Banks, CD's, Mutual Funds, Stocks, Bonds, etc. We provide back-office support and product advice to our independent network of financial professionals in order to create the best-possible guaranteed retirement plan for their clients. is an educational resource that has been created to assist you in seeing through the confusion called the financial industry. Unfortunately, we have witnessed what can happen when people receive mediocre financial guidance: costly, unnecessary mistakes that put clients' goals and dreams at risk and in jeopardy.
Inspired by our experiences, we have built an independent network of top financial professionals around the country to help you get back to the basics and see through the smoke screen of retirement planning. Through our Safe Money Approved qualification process, we introduce very well-qualified financial advisors to successful families that they can serve. The products discussed on this website have most likely never been explained to your existing broker. That is likely because he or she has limited knowledge and or lacks the freedom to look out for your best interest first. Our mission is to help create a plan for you that is guaranteed to meet your expectations. If you are in need of a financial plan with an emphasis on principal protection, a hedge against inflation, and a guaranteed lifetime income you cannot outlive, I would encourage you to take a close look at the information provided here and ask us anything on your mind! Phone calls are always free, 100% confidential, and there is never an annoying sales pitch. Just good, quality advice to help point you in the right direction. 877-GROW-SAFE (476-9723)

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