Insurance & retirement guidance
Protecting Families.
Building Futures.
Going Beyond.
From protecting your family to preparing for retirement, we simplify important financial decisions and help you find solutions that fit your life.
A conversation starts with your goals. No pressure to commit.
Adam & Debi Junior
Owners, Plus 1 Financial
OUR SOLUTIONS
Many solutions.
One personal approach.
Protect your family, reduce debt, and prepare for retirement - with guidance that starts with you.
Protect My Family
Life changes, and so do your responsibilities. Whether you’re protecting your income, covering your mortgage, or planning for the unexpected, we’ll help you explore options that fit your family and your budget.
Get Out of Debt Faster
What if you could pay off your debts, including your mortgage, in as little as 9 years—without increasing your monthly budget? Discover strategies that could help you become debt-free sooner and put more of your money toward retirement and the life you want to enjoy.
Prepare for Retirement
You’ve worked hard for your money. Now it’s time to think about how it can work for you. Explore retirement solutions, including annuities, designed to help protect your savings, create retirement income, and support the lifestyle you envision.
A conversation starts with your goals. No pressure to commit.
Relationships matter.
Our reasons are personal.
We want families to have a plan for life’s unexpected changes—and more freedom to enjoy the life they’re working to build.
For Adam, being prepared is deeply personal. His dad had a stroke at 46 that left him unable to speak for the remaining 25 years of his life. Without a financial backup plan, his family experienced hardship that continued for decades.
Debi grew up learning the value of hard work and living debt-free—choosing lasting financial freedom over short-term gratification. Watching people she loved experience major financial hardships deepened her commitment to living within her means and helping others understand their options. She believes people do the best they can with what they know. Through education and a better understanding of financial tools, she helps families discover ways to make their resources work more effectively toward the future they want.
We’re Adam and Debi Junior, owners of Plus 1 Financial. To us, “Plus 1” means going beyond—taking the time to understand your priorities, explain your options clearly, and help you find solutions that fit your life.
Life is meant to be lived.
Relationships matter.
Our reasons are personal.
We want families to have a plan for life’s unexpected changes—and more freedom to enjoy the life they’re working to build.
For Adam, being prepared is deeply personal. His dad had a stroke at 46 that left him unable to speak for the remaining 25 years of his life. Without a financial backup plan, his family experienced hardship that continued for decades.
Debi grew up learning the value of hard work and living debt-free—choosing lasting financial freedom over short-term gratification. Watching people she loved experience major financial hardships deepened her commitment to living within her means and helping others understand their options. She believes people do the best they can with what they know. Through education and a better understanding of financial tools, she helps families discover ways to make their resources work more effectively toward the future they want.
We’re Adam and Debi Junior, owners of Plus 1 Financial. To us, “Plus 1” means going beyond—taking the time to understand your priorities, explain your options clearly, and help you find solutions that fit your life.
Life is meant to be lived.
Adam & Debi Junior
Owners, Plus 1 Financial
OUR APPROACH
Your life comes first.
We go beyond to understand it.
Good guidance starts with listening. We take time to understand what matters to you, explain your choices clearly, and stay connected as your needs change.
Start with your story.
Tell us what you want to protect, what you’re working toward, and what’s getting in the way. We start with your priorities.
Understand your options.
We explain how different solutions work, what they cost, and the tradeoffs—so you can make an informed decision.
Move forward with support.
When you’re ready, we help put your plan into action and remain a resource as life changes.
A conversation starts with your goals. No pressure to commit.
HELPFUL ANSWERS
Questions you may have.
Clarity for your next step.
A few helpful answers before we connect.
Where do I start if I’m unsure what I need?
You don’t need to have everything figured out. We’ll start with what matters most to you - your family, your responsibilities, and the future you want to build. Together, we’ll identify your priorities and explore a helpful next step.
Can you review coverage I already have?
Yes. Life changes, and your coverage may need to change with it. We can review your existing life insurance, explain its benefits and limitations, and help you consider whether it still fits your needs and budget. Sometimes, the coverage you have remains a good fit.
Can you help me explore annuities for retirement?
Yes. We can help you understand how annuities work and whether they may fit your retirement goals. We’ll discuss income options, access to your money, costs, and limitations so you can weigh the tradeoffs and make an informed decision.
Do you work with my other professionals?
Absolutely. If you already have an attorney, tax professional, or investment advisor you trust, we respect those relationships and welcome the opportunity to collaborate - with your permission.
If you’re looking for additional support, we can also connect you with professionals in our network, including an estate planning firm for wills and trusts, tax professionals, and a financial firm that provides investment management. Our goal is to help you build a coordinated support team while keeping you in control of whom you work with.
Legal, tax, and investment management services are provided separately by those professionals.
LET’S CONNECT
Let’s talk about your goals.
Your questions and priorities are the starting point. An Expert Consultation gives us time to discuss what matters to you, explore your options, and identify a helpful next step.
Protecting Families. Building Futures. Going Beyond.
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