The Shield & Stream™ Retirement and Legacy Plan
Consultations available619-375-2480

Protect What You’ve Built.
Provide Income for Life.
Preserve Your Legacy.

The Shield & Stream™ Retirement and Legacy Plan is a careful, insurance-based approach for savers who refuse to gamble what took a lifetime to build.

Get the Free Guide See the Plan

One Plan, Three Jobs

The Shield

Protection First
  • Floor of Zero in Down Years
  • Living Benefits
  • Contract Guarantees

The Stream

Income for Life
  • Guaranteed Lifetime Income
  • Tax-Deferred Growth
  • Social Security Coordination

The Legacy

Wealth for Family
  • Income-Tax-Free Death Benefit
  • Probate-Free Transfer
  • More to Your Heirs
The Ten-Year Money Guide

The Ten-Year Money Guide

What long-term savers should know before renewing another CD — free, plain-English, and honest about who should leave their money exactly where it is.

  • The real, after-tax cost of renewing
  • The alternatives built for ten-year money
  • Who should leave their money where it is
  • Seven questions to ask before moving a single dollar

This is an advertisement for insurance services. By requesting the guide, you agree that a licensed insurance agent may contact you by phone or email regarding insurance products. Requesting the guide is free and carries no obligation.

Prefer to talk first? Call 619-375-2480 — fifteen minutes, no cost, no obligation.

No-Pressure 15-Minute Consultation

How the Fifteen Minutes Work

1

You talk, I listen

You bring your balances, your horizon, and who the money is ultimately for. That takes about five minutes.

2

A plain answer

I tell you which path fits your facts — keep renewing, the annuity, or the life insurance contract — and why. If the honest answer is “stay at the bank,” that is what you will hear.

3

Only then, a next step

If a path is worth exploring, we schedule a full conversation for another day. Nothing is signed, quoted, or sold in a first call.

About the Author

Tate Lounsbery is a California-licensed life and health insurance agent serving Californian savers and retirees. He meets with clients by telephone and video conference, and he is the author of The Ten-Year Money Guide. The Shield & Stream™ Retirement and Legacy Plan coordinates with your own attorney and tax advisor — never in place of them.