Your best offense is your defense.
Our job is to protect your biggest asset — your ability to earn an income.
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Four Pillars of Our Strategy
Each plan is built on these foundations, customized to your goals and circumstances.
Health Insurance
Health coverage for individuals, families, and groups — built around your actual life, not a one-size brochure. Sheila Tolbert, our health insurance professional, leads this side of the firm.
Wealth Protection
TFG does defensive planning — health, disability, life, annuities, IRAs, rollovers, premium financing: protective planning that mitigates loss.
Additional Retirement Income
Strategies built to provide additional retirement income. Annuities can provide guaranteed income — annuity guarantees are backed by the issuing carrier’s financial strength and claims-paying ability.
Generational Legacy
Help families protect what they have and build generational wealth — from whole life that covers final expenses so nobody has to come out of pocket, to leaving a few bucks for the kids and grandkids.
Not sure which ones fit your life?
Take the 2-minute Coverage Gap Questionnaire. Answer a few questions and get your score — see exactly where your defense has holes across the four pillars.
Find My Gaps →TFG does not provide tax advice. Tax treatment depends on individual circumstances and applicable law and may change. Clients should consult a qualified tax professional regarding their individual situation.
Important Disclosures
The foundational bedrock of a high-integrity financial partnership. Please review these disclosures carefully.
Professional Standing
- TFG Tolbert Financial Group, LLC provides insurance-related education and services through appropriately licensed and appointed insurance professionals.
- Insurance recommendations and transactions are conducted only through appropriately licensed and appointed insurance professionals.
Product Parameters
- Insurance product availability and features vary by carrier and jurisdiction and are subject to eligibility, underwriting, policy terms, limitations, exclusions and carrier approval.
- Guarantees associated with insurance products are subject to the claims-paying ability of the issuing insurance company.
- Nonguaranteed policy values, interest crediting and dividends, where applicable, may vary.
Risk & Strategy
- Policy loans and withdrawals may reduce available cash value and death benefits, may cause a policy to lapse if not properly managed, and may have tax consequences.
Advisory Boundaries
- TFG Tolbert Financial Group, LLC does not provide legal or tax advice.
- Information presented on this website is for general educational purposes and should not be considered individualized legal, tax or investment advice.
- Clients should consult appropriately qualified professionals regarding their individual circumstances.
- Products and services may not be available in all states.
For questions about these disclosures, contact [email protected] or call (728) 242-3597.
TFG Tolbert Financial Group is an independent brokerage — we are not captive agents. A captive agent works for one insurance company and can only sell that company’s products. We don’t work that way. We have access to 70+ carriers and financial institutions, which means we shop the market and match you with the best fit for your goals — not the one product we happen to sell. TFG — not any single carrier brand — stays front and center.
Don’t worry, we keep it simple and easy.
Book Your Strategy Call
No separate planning fee. TFG does not charge a separate fee for the insurance analysis and strategy process. Premiums go to the carrier, and TFG is compensated by the carrier when coverage is placed.
☎ (728) 242-3597
Book Your Strategy Call →Chuck Tolbert, Licensed Financial Professional · Sheila Tolbert, health insurance professional