NXT Financial Group | Retirement & protection planning
Income you can’t outlive. Care you can choose. A legacy that lands.
An independent agency for the five decisions that shape retirement: annuities, life insurance, care planning, Medicare and disability income. We compare A-rated carriers and explain every term before you sign one.
- A-rated carriers only
- Licensed in 50 states
- No cost to you
Guaranteed income
$4,850/mo
Illustrative lifetime payout
Care plan funded
Hybrid LTC · $300k benefit
0+
Carrier partners
0
States licensed
0
Disciplines, practiced daily
0 day
To hear back from us
Your first meeting
45 minutes. No products. Just where you stand.
Reach your retirement goals
A plan that fits your family, built by one advisor who stays.
The person who meets you first is the person who places your coverage, reviews it every year and picks up the phone when something changes. We map your income gap, your care plan, your Medicare choices and your legacy, then we put the whole market to work on each piece.
- Guaranteed income sized to your essentials
- A funded long-term care plan
- Medicare that keeps your doctors
- Life insurance sized honestly, not by rule of thumb
Five solutions
Everything we do fits on one hand.
Trusted partners
Connected to the carriers behind the guarantees.
A promise to pay is only as good as the company making it. We place business only with carriers rated A- or better by AM Best, and we compare them for you.
- Allianz Life
- Athene
- Nationwide
- Lincoln Financial
- North American
- Midland National
- F&G Annuities & Life
- American Equity
- Global Atlantic
- Pacific Life
- Corebridge Financial
- EquiTrust Life
- MassMutual
- Symetra
- Oceanview Life
- Sagicor Life
- Jackson National
- Protective Life
- Security Benefit
- Americo
- Brighthouse Financial
- Equitable Financial
- Transamerica
- Delaware Life
- Nassau Life
- Aspida
- Western-Southern
- Integrity Life
- AuguStar Financial
- Prudential
- John Hancock
- Mutual of Omaha
- Securian Financial
- Penn Mutual
- Foresters Financial
- American National
- Kansas City Life
- Banner Life (Legal & General)
- Guardian
- Principal
- OneAmerica
- National Guardian Life
- Aetna
- Humana
- UnitedHealthcare
- Cigna Healthcare
- Anthem BCBS
- Wellcare
- Devoted Health
- Centene
- Molina Healthcare
- Kaiser Permanente
- Blue Cross Blue Shield
- State Farm
- Colonial Penn
- Globe Life
- Bankers Life
- Ameritas
- Illinois Mutual
- Assurity
- The Standard
- Petersen International
- Unum
- Progressive
- Safeco (Liberty Mutual)
- Travelers
- The Hartford
- Foremost Insurance
- Bristol West
- National General
- Kemper
- Stillwater Insurance
- Openly
- Branch Insurance
- Allianz Life
- Athene
- Nationwide
- Lincoln Financial
- North American
- Midland National
- F&G Annuities & Life
- American Equity
- Global Atlantic
- Pacific Life
- Corebridge Financial
- EquiTrust Life
- MassMutual
- Symetra
- Oceanview Life
- Sagicor Life
- Jackson National
- Protective Life
- Security Benefit
- Americo
- Brighthouse Financial
- Equitable Financial
- Transamerica
- Delaware Life
- Nassau Life
- Aspida
- Western-Southern
- Integrity Life
- AuguStar Financial
- Prudential
- John Hancock
- Mutual of Omaha
- Securian Financial
- Penn Mutual
- Foresters Financial
- American National
- Kansas City Life
- Banner Life (Legal & General)
- Guardian
- Principal
- OneAmerica
- National Guardian Life
- Aetna
- Humana
- UnitedHealthcare
- Cigna Healthcare
- Anthem BCBS
- Wellcare
- Devoted Health
- Centene
- Molina Healthcare
- Kaiser Permanente
- Blue Cross Blue Shield
- State Farm
- Colonial Penn
- Globe Life
- Bankers Life
- Ameritas
- Illinois Mutual
- Assurity
- The Standard
- Petersen International
- Unum
- Progressive
- Safeco (Liberty Mutual)
- Travelers
- The Hartford
- Foremost Insurance
- Bristol West
- National General
- Kemper
- Stillwater Insurance
- Openly
- Branch Insurance
Why independent matters
A captive agent has one product line and a quota. We have neither.
When the recommendation can come from any of forty carriers, the conversation stops being about the product and starts being about you: your income gap, your health, your family, your timeline.
About NXTTestimonials
What our clients and advisors say.
“I have been in the financial services industry long enough to know the difference between a company that talks about agent success and one that actually builds systems around it. NXT is the latter. From the moment I joined, I had access to real training, carrier support, and a leadership team that is genuinely invested in my growth.”
Questions, answered
What people ask before they call.
If yours is not here, ask it. We answer every message within a business day.
Ask a questionNo. We are compensated by the carrier that issues your policy or contract. You never pay us a fee, and our compensation does not change the rate you receive.
Insights
Read before you decide.
August 12, 2026 · 6 min
How much of your retirement income should be guaranteed?
Social Security covers part of the essentials. An annuity can cover the rest, so market swings never touch the bills that have to be paid.
Read the full story
July 28, 2026 · 7 min
Term or permanent: which life insurance actually fits your life?
Term is cheap and simple. Permanent builds value and never expires. The right answer usually depends on what the money has to do, and for how long.
Read the full storyJuly 9, 2026 · 5 min
Five things Medicare will not pay for, and how to plan for them
Medicare is excellent at what it covers. The surprises come from what it does not: long-term care, most dental, hearing, vision and overseas care.
Read the full story
The NXT Brief
Retirement, one idea at a time.
A short monthly note on annuity rates, Medicare deadlines and the questions our clients are asking. No selling, unsubscribe any time.
- Plain-language explanations
- Enrollment and deadline reminders
- What changed in the market this month
Written by the advisors you would be speaking with.