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HEALTH INSURANCE  ·  LIFE INSURANCE  ·  RETIREMENT PLANNING

Be Your Own Bank.

We are TFG Tolbert Financial Group, a health insurance and risk management firm that works with you to achieve your personal, professional, and financial goals — from age 1 to 80.

Tolbert Financial Group Team Consultation
70+
Insurance carriers
we shop for you
16
Defensive strategies
built to protect your money
5
Steps from strategy call
to ongoing stewardship
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Family protected by defensive financial planning

Your best offense is your defense.

The most expensive plan is no plan.

TFG does defensive planning — every strategy we build is protective planning that mitigates loss: your health, your income, your family, your future. We deal with no risk. Investments are risky — that’s offense, and offense isn’t our game.

And the most expensive plan can also be an outdated one. Maybe you put something in place five years ago — or even last year. Then life changed: a baby, a business, a mortgage. That’s why we have regular conversations with our clients about everything going on, and we sit down with them every single year to review their plan and make sure it’s actually working.

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“Our job is to protect your biggest assets. And your biggest asset isn’t your home or your car — it’s your ability to earn an income.”
— Chuck Tolbert, Licensed Financial Professional
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YOUR DEFENSE

How much of your defense is actually in place?

Five strategies. One line of defense. Rate yourself, honestly — 0 to 100%.

Health Insurance
Disability Income
Life Insurance
IRAs
Annuities
0%100%
Wherever your number lands, that’s where we start.

Want your real score? Take the 2-minute Coverage Gap Questionnaire.

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WHAT WE OFFER

Our Planning Services

Comprehensive solutions tailored to every stage of your financial journey.

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Health Insurance

On the health side, we do health insurance for individuals, families, the self-employed, and employers — ACA marketplace, private, group, and supplemental coverage. That’s led by Sheila Tolbert, health insurance professional.

Learn more →
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Life Insurance & LIRP

On the life insurance side, we do LIRP — life insurance retirement planning. We use indexed universal life and whole life insurance. Once the policy’s grown, you can leverage it — borrow against it through policy loans, or assign the policy as collateral to a bank or lending institution to access funds. The lender’s secured because the loan is tied to the life insurance policy.

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Disability Income

For business owners and professionals — doctors, lawyers, dentists, people like that — disability income insurance replaces your income if an injury or illness keeps you from working at full capacity. The important version is called ‘own occupation,’ which means if you can’t do your specific job anymore, it pays — even if you could technically do some other work. For a lot of professionals, their income is their biggest asset, and this is one of the most overlooked protections for it.

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Annuities

Annuities can provide guaranteed income. Annuity guarantees are backed by the issuing carrier’s financial strength and claims-paying ability.

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Forgotten 401(k)s & Rollovers

Lost track of an old 401(k)? When you change jobs, old 401(k)s get left behind — thousands of dollars sitting there, not growing, and a lot of people forget they even have them. We help you track down those old accounts and roll them over — into new IRAs or annuities that can provide additional income in retirement.

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Term & Whole Life Insurance

Straightforward protection for the years your family counts on you most — a set period, a set amount, living-benefit riders available. Plus permanent protection with living benefits, for the people who count on you.

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HOW IT WORKS

Our five-step planning process takes you from where you are to where you want to be.

1

Strategy Call

A complimentary conversation to understand your goals, concerns, and current financial picture.

2

Financial Analysis

The team reviews assets, liabilities, income, and tax situation to find opportunities and gaps.

3

Custom Strategy

A personalized roadmap built for you.

4

Implementation

Putting the plan in motion with trusted institutions.

5

Ongoing Stewardship

Regular reviews to adjust as life changes.

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FOR EVERY STAGE OF LIFE

A strategy for every age, from 1 to 80.

Here’s what most of our clients come to us concerned about — and when.

AGES 1–17

Covered From the Start

Long before the first paycheck, parents put the first layer of defense in place — coverage for the kids and health insurance for the whole family, locked in while everyone is young and insurable.

Children’s Life InsuranceFamily Health Insurance
AGES 18–29

Starting Out

First job, first apartment, first real bills. Most people come to us here for health insurance after aging off a parent’s plan, disability income once the paychecks start, and starter life insurance while it’s cheapest.

Health InsuranceDisability IncomeStarter Life Insurance
AGES 30–49

Building Years

Marriage, kids, a mortgage, maybe a business. This is when the questions get bigger — how much life insurance the family needs, what happens if the income stops, and retirement savings get serious.

Family Life InsuranceDisability IncomeHealth InsuranceIRAs
AGES 50–69

Nearing Retirement

The peak earning years. Forgotten 401(k)s get rolled over, annuities start making sense for guaranteed income, and the little-known strategies — premium financing and more — come into play.

401(k) RolloversAnnuitiesPremium Financing
AGES 70–80+

Legacy Stage

What you leave behind matters more than what you made. Generational wealth strategies, trusts and wills in order, and final expenses handled so nobody comes out of pocket.

Generational WealthTrusts & WillsFinal Expense
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Chuck Tolbert, Licensed Financial Professional

Why I do this.

I wasn’t always in this business — I was an international DJ, a music producer and songwriter. When the pandemic ended my music career, what carried my family through was my father’s trust. My father, Jesse C. Tolbert MD, had done the quiet, unglamorous work of planning ahead — and when the storm came, that plan held us up. I prayed for a path with no ceiling and a way to do for other families what my father’s planning did for mine. The door that opened was insurance — done right. That’s what my wife Sheila and I build at TFG: planning that holds families up.

— Chuck Tolbert, Licensed Financial Professional

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🛡

Build Wealth. Protect Your Future. Create a Legacy.

Book a complimentary Strategy Call. We’ll look at where you are, find the gaps, and build your defense — no separate planning fee, no pressure.

☎ (728) 242-3597
Book Your Strategy Call →

TFG does not charge a separate fee for the insurance analysis and strategy process. Premiums go directly to the carrier, never to TFG. TFG is compensated by the carrier when coverage is placed.