Strategic protection. Strategic growth. One coordinated team.
From life insurance designed for real protection to tax, exit, and wealth strategies engineered for real businesses — ROW Group serves individuals and business owners through one integrated advisory model. Built so every piece of your financial life is actually talking to every other piece.
Three doors. One team behind every one.
Tell us who you are and we'll route you to the right conversation.
I want to protect my family with the right life insurance.
Term and permanent life insurance, structured honestly — built for real protection and, when it fits, long-term wealth strategy. We'll tell you what you actually need.
→ Individual Financial Strategy — 02I want to grow and protect my personal wealth tax-efficiently.
For high earners and individuals planning ahead — coordinated tax strategy, retirement structuring, and protection planning that fit your full financial life.
→ Business Owner Strategy — 03I own a business and want to keep more of what I earn.
Tax strategy, exit planning, and wealth protection — engineered around the realities of trades, medical practices, and growing companies.
→What clients say about working with us.
— Testimonial slots ready for real client quotes once you provide them. Examples shown below for layout, organized by client type.
The first conversation felt different. They asked about the business before they ever asked about insurance.
I came in thinking I needed life insurance. I left with a real plan — taxes, retirement, and protection actually working together.
They walked me out of buying a policy I didn't need and into one that actually fit. That earned my trust forever.
I had three professionals who never talked. ROW Group made them talk — and saved me real money in the process.
Most advisors push products. ROW Group asked questions for 30 minutes before suggesting anything. That's when I knew.
Honest math, honest answer. They told me term was the right call and to come back in five years. That kind of advice is rare.
Strategy thinking, not sales pitches.
Practical breakdowns for individuals, business owners, and the advisors who serve them.
Why most business owners are still leaving six figures on the IRS's table.
The biggest tax savings rarely come from deductions. They come from structure — and most owners haven't reviewed theirs in years.
Read insight →Permanent life insurance, honestly explained — without the sales pitch.
It's neither a scam nor a silver bullet. Here's the honest math, the right use cases, and when to walk away.
Read insight →The five-year exit window most owners miss until it's too late.
By the time most owners think about selling, the most valuable strategic decisions are already behind them. Here's how to think earlier.
Read insight →One conversation. Zero pressure. Real clarity.
Book a no-obligation strategy session. We'll spend 30 minutes mapping where you are, where you're going, and whether the right next step is protection, strategy, or both. If neither fits — we'll tell you that, too.
Personal financial strategy, coordinated across your full picture.
For high earners, working professionals, and individuals planning ahead — financial strategy that connects your taxes, retirement, protection, and long-term goals.
High earners
Doctors, attorneys, executives, engineers — professionals whose tax exposure has grown faster than their planning has.
Pre-retirement planners
Individuals 5–15 years from retirement who want their savings, protection, and tax strategy actually working together.
Families building wealth
Couples and families who want a real plan — not a product pitch — for protection, savings, and what they leave behind.
What individual planning looks like with us:
- ✓ Personal tax strategy review
- ✓ Retirement plan structure (401(k), IRA, Roth strategies)
- ✓ Properly structured life insurance, when it fits
- ✓ Disability and income protection planning
- ✓ Estate-readiness and beneficiary review
- ✓ Coordinated review with your CPA
Built for the people running real businesses.
For business owners earning real money, the difference between a good year and a great one usually isn't revenue — it's structure. We coordinate tax, exit, and protection strategy in one integrated engagement.
Runs a trades business
HVAC, plumbing, electrical, contracting — businesses where revenue and tax exposure both grow fast.
Owns a medical practice
Dentists, MDs, specialty practices — high earners who often have the worst-structured plans of anyone we meet.
Operates a growing business
Owners between $500K–$10M revenue who've outgrown their early advisors but aren't being served by family-office firms.
What we do for business owners, in plain English.
Most advisors solve one problem. We coordinate the three that actually move the needle for business owners.
Tax Strategy
Most business owners overpay because their CPA files taxes and their advisor sells products — but no one is engineering the structure.
- Entity structure review
- Compensation strategy
- Retirement plan design
- Year-end deferral planning
Exit Planning
The day you sell, transfer, or step back from your business is the day every prior decision either pays off or quietly costs you.
- Business valuation context
- Succession & transfer planning
- Buy-sell agreement review
- Post-exit wealth structure
Wealth Protection
Risk doesn't care about your spreadsheet. Real protection is layered — built before it's needed, not after.
- Personal & business risk review
- Asset protection strategy
- Properly designed life insurance
- Family continuity planning
Engineering the structure, not just filing the forms.
Most owners we meet are paying more tax than they need to — not because their CPA is bad, but because no one has ever taken a strategic look at the architecture of their financial life.
We work alongside your CPA (or refer one if you need one) to engineer the structure: how you're paid, where it's held, when it's deferred, how it compounds, and what you keep when it matters.
- Entity structure review (S-Corp, LLC, holding companies)
- Owner compensation and distribution strategy
- Retirement plan design — Solo 401(k), Defined Benefit, cash balance
- Year-end deferral and acceleration planning
- Coordinated review with your CPA — not a substitute for one
The exit is decided years before the buyer ever shows up.
Most owners think about their exit when a buyer shows up. By then, the highest-leverage decisions are years behind them.
Whether your "exit" is selling to a third party, transferring to family or a partner, stepping back into a passive role, or building toward a generational handoff — the runway matters. We help you start thinking 3, 5, and 10 years out.
- Business valuation context and benchmarking
- Succession planning (family, partners, key employees)
- Buy-sell agreement review and funding strategy
- Pre-sale tax positioning
- Post-exit wealth structure and income strategy
Layered, in proportion, before it's needed.
Risk doesn't care how good your last quarter was. Real protection is layered — structured before it's needed, not scrambled together after.
We look at the whole picture: what could damage the business, what could damage you, what could damage your family's continuity. Then we design protection in proportion to the actual risk — not in proportion to a commission grid.
- Personal and business risk assessment
- Asset protection structures (when appropriate)
- Properly designed permanent life insurance — when it fits
- Disability and key-person planning
- Family continuity and estate-readiness planning
Four steps. Zero pressure.
A clear process for clarity-seeking individuals and owners.
Discovery Call
30 minutes. We listen. You leave knowing whether financial strategy actually applies to your situation.
Strategy Session
The integrated team maps your structure, your gaps, and what we'd prioritize — in your language, not ours.
Engagement
You decide what to engage on. Tax, exit, protection — or all three. We coordinate; you decide.
Annual Review
Strategy isn't a one-time event. We stay engaged as your business and life shift.
Tell us a little about your situation.
Send a quick message and we'll come back within one business day with the right next step — usually a 30-minute discovery call.
You don't need a family office to get coordinated advice.
If your financial life has grown more complex than what a single advisor or product can handle, this is for you.
High earners
Doctors, attorneys, executives, engineers, technologists — professionals whose tax exposure has grown faster than their planning has caught up to.
Pre-retirees
Individuals 5–15 years from retirement who want their savings, protection, taxes, and income strategy actually working together — not as four disconnected silos.
Families building wealth
Couples and families who want a real plan — not a product pitch — for protection, savings, tax efficiency, and what they leave behind.
Most individuals overpay tax — not because they cheat, but because no one structures.
Most high earners we meet are paying more in tax than they need to — not because their CPA is bad, but because no one has ever taken a strategic look at how they're earning, where it's held, when it's deferred, and how it compounds.
We work alongside your CPA (or refer one if needed) to engineer the structure of your personal financial life — turning a tax filing into a tax strategy.
- Personal tax position review
- Retirement contribution strategy (401(k), IRA, Roth, Backdoor Roth)
- HSA and health-related tax-advantaged accounts
- Charitable giving strategy
- Year-end tax planning and deferral opportunities
Wealth doesn't disappear from poor returns. It disappears from poor protection.
The biggest threats to personal wealth aren't market downturns — they're lawsuits, divorce, disability, premature death, and creditor claims. These risks are invisible until they're not, and the structures that protect against them have to be built before they're needed.
We coordinate the protection layer of your plan: insurance designed honestly, asset titling reviewed, beneficiaries kept current, and risk addressed where it actually lives.
- Personal liability and umbrella coverage review
- Properly structured life insurance (when and where it fits)
- Disability and income protection planning
- Asset titling and ownership strategy
- Beneficiary review and estate-readiness
Investments are the easy part. Coordinating them with the rest of your life is the hard part.
Most investment advice happens in a vacuum — disconnected from your tax situation, your protection plan, your timeline, and your actual goals. We build the wealth strategy inside your full financial picture, not next to it.
Our wealth management approach focuses on what we can actually control: cost, tax efficiency, risk, and the discipline of staying consistent over years and decades.
- Investment strategy aligned to your goals and timeline
- Portfolio construction and rebalancing
- Tax-efficient investing (asset location, harvesting, deferral)
- Cash flow and savings strategy
- Coordination across all your accounts and advisors
Saving for retirement is a question of accumulation. Living in retirement is a question of structure.
The hardest part of retirement isn't getting there — it's making sure your money actually does what you need it to do once you arrive. Income that holds up across decades, taxes that don't surprise you, healthcare that doesn't drain you, longevity that doesn't outpace you.
We design retirement strategies that work in real life — accounting for sequence-of-returns risk, inflation, taxes, healthcare costs, and the reality that your needs will change over 20–30 years of retirement.
- Retirement income strategy (when to claim, when to draw, in what order)
- Social Security optimization
- Medicare and healthcare coverage planning
- Required Minimum Distribution (RMD) strategy
- Tax-efficient withdrawal sequencing
- Longevity planning and contingency strategy
Four steps. Zero pressure.
Discovery Call
30 minutes. We listen. You leave knowing whether financial strategy actually applies to your situation.
Fact Finder
Complete our interactive questionnaire so we understand your full financial picture before we ever recommend anything.
Strategy Session
The integrated team maps your structure, your gaps, and what we'd prioritize — in your language, not ours.
Engagement
You decide what to engage on. Tax, protection, wealth, retirement — or all four. We coordinate; you decide.
Two ways to start.
Start with our interactive Fact Finder so we understand your full picture, or book a 30-minute call directly.
Start the Fact Finder
Our interactive questionnaire walks through your housing, income, assets, retirement goals, and risk tolerance — building the picture we'll use to design your strategy. Save and resume anytime.
Start Individual Fact FinderBook a Strategy Session
30 minutes. Zero pressure. We'll listen to your situation, ask questions, and give you a clear picture of whether and how we can help. If we can't, we'll tell you that too.
Book a Strategy SessionYou're a fit if you're an owner or operator who:
Runs a trades business
HVAC, plumbing, electrical, contracting — businesses where revenue and tax exposure both grow fast, often faster than the structure underneath them.
Owns a medical practice
Dentists, MDs, specialty practices — high earners who often have the worst-structured financial plans of anyone we meet, despite the highest stakes.
Operates a growing business
Owners between $500K–$10M revenue who've outgrown their early advisors but aren't yet being served by family-office firms. The middle is where strategy matters most.
Most owners overpay tax — not because their CPA is bad, but because no one is engineering the structure.
Most business owners we meet are paying more in tax than they need to — not because their CPA is failing them, but because no one is taking a strategic look at how the business is structured, how the owner is paid, where retirement is held, and how it all fits together.
We work alongside your CPA (or refer one if you need one) to engineer the architecture: how you're paid, where it's held, when it's deferred, how it compounds, and what you actually keep when it matters.
- Entity structure review (S-Corp, LLC, holding companies)
- Owner compensation and distribution strategy
- Retirement plan design — Solo 401(k), Defined Benefit, cash balance plans
- Year-end deferral and acceleration planning
- Coordinated review with your CPA — not a substitute for one
The biggest risk to business wealth isn't the market. It's everything that happens around the business.
Your business is the engine. The risks come from everywhere else — lawsuits, partner disputes, employee claims, divorce, disability, premature death, creditor actions. The most damaging events are usually the ones you didn't plan for.
We coordinate the protection layer: separating personal and business assets, layering insurance properly, structuring entities for protection, and addressing risk where it actually lives.
- Personal and business risk assessment
- Asset protection structures (LLCs, trusts, asset titling)
- Properly designed life insurance — when and where it fits
- Disability, key-person, and buy-sell funding
- Family continuity and estate-readiness planning
If your net worth is concentrated in one business, your wealth strategy matters more — not less.
Most business owners have most of their net worth tied up in the business. That's not a problem — until it is. The wealth strategy outside the business has to do something the business can't: provide liquidity, diversification, and a backstop if the business hits a bad year.
We design the wealth strategy around the reality of your concentration — building outside-the-business assets that complement the business, not duplicate its risk.
- Owner concentration analysis and diversification strategy
- Investment strategy aligned to business cash flow
- Tax-efficient investing across personal and entity accounts
- Cash management and liquidity planning
- Coordination across business, personal, and retirement assets
Owner-specific retirement plans can shelter 5–10x more than a 401(k).
Most business owners are using retirement vehicles built for employees. As an owner, you have access to plan structures that can shelter dramatically more income — but they require strategy, design, and ongoing management most owners never get.
We help design owner-specific retirement strategies: Solo 401(k)s, Defined Benefit plans, cash balance plans — and coordinate them with your business cash flow, tax position, and exit timeline.
- Owner-specific retirement plan design
- Solo 401(k), SEP-IRA, Defined Benefit, cash balance
- Spousal and family-member contribution strategy
- Coordination with business cash flow and tax timing
- Retirement income strategy after the exit
The wealth you build in your business is at its most vulnerable on the day you exit.
Most business owners spend 20+ years building wealth inside their business. Then on the day they sell, transfer, or wind down, that wealth meets the tax code — and a meaningful portion can disappear if the structure wasn't built to support an exit.
The structure problem
When wealth has been compounding inside a business — through retained earnings, equity buildup, real estate, deferred compensation, or owner-loaned capital — the exit transaction is when all of that has to convert into personal liquidity. And the tax code is designed for transactions, not relationships.
Owners who haven't planned their exit can lose 20–40% of their proceeds to tax inefficiency, structure mismatches, and timing mistakes that were locked in years before the buyer ever showed up.
The decisions that protect exit wealth are made 5 to 10 years before the exit — not 6 months before, when most owners start thinking about it.
What exit planning covers
- → Business valuation context and benchmarking
- → Pre-sale tax positioning and entity restructuring
- → Buy-sell agreement review and funding strategy
- → Succession planning (family, partners, key employees)
- → Installment sale and earnout strategy
- → Charitable strategies for exit-year tax management
- → Post-exit wealth structure and income planning
If your exit is 5+ years away, this is the most leveraged conversation we can have. If it's less than 5 years away, it's the most urgent one.
Book an Exit Planning ConversationFour steps. Zero pressure.
Discovery Call
30 minutes. We listen. You leave knowing whether financial strategy actually applies to your situation.
Fact Finder
Complete our owner-focused interactive questionnaire so we understand the business, the owner, and the runway.
Strategy Session
The integrated team maps your structure, your gaps, and what we'd prioritize across all five strategies.
Engagement
You decide what to engage on. Tax, protection, wealth, retirement, exit — or all five. We coordinate; you decide.
Two ways to start.
Start with our owner-focused Fact Finder so we understand your business and personal picture, or book a 30-minute call directly.
Start the Business Fact Finder
Owner-focused questionnaire covering your business, ownership structure, exit timeline, retirement, and personal financial picture. Saves automatically — come back anytime.
Start Business Fact FinderBook a Strategy Session
30 minutes. Zero pressure. We'll listen to your business situation, ask questions, and give you a clear picture of where strategy can move the needle. If it can't, we'll tell you that too.
Book a Strategy SessionThree jobs. One properly structured policy.
Life insurance, used as a strategy, does work that no other financial vehicle can. Here's what we mean.
Protection at Death
The original purpose: a tax-free death benefit that replaces your income, pays off debts, funds your children's future, and gives your family time and space to grieve without financial collapse on top of it.
Asset Protection
Properly structured life insurance and annuities offer creditor protection in many states, shield assets from lawsuits, and provide a buffer that traditional investment accounts simply don't have access to.
Tax-Free Wealth Strategy
Permanent life insurance can grow cash value tax-deferred, can often be accessed tax-free in retirement, and passes tax-free to heirs. When designed correctly, it's one of the most underrated wealth tools available.
Five protection products. Click to explore.
Click any product to expand it, see how it works, get a quick estimate from our calculator, and book a real conversation.
Small-face whole life designed for end-of-life expenses.
Final expense insurance is a permanent whole life policy with a smaller face amount — typically $5,000 to $50,000 — designed specifically to cover funeral costs, burial expenses, and final medical bills. It's built for working families and seniors who want certainty their loved ones won't be stuck with the bills.
How It Works- Permanent coverage that doesn't expire as long as premiums are paid
- Fixed premiums that never increase — locked in at issue
- Cash value builds slowly over time and can be borrowed against
- Simplified underwriting — many policies have no medical exam
- Available for ages 50–85 with most carriers
The simplest, most affordable form of protection.
Term life insurance covers you for a specific period — typically 10, 20, or 30 years — at a fixed premium. If you pass away during that period, your beneficiaries receive the full death benefit tax-free. If you outlive the term, the policy expires. For most families and most business owners, term life is the right answer for the protection conversation.
How It Works- 10, 20, or 30-year level term — premium stays flat for the entire term
- Highest coverage amount per dollar of premium
- Pure death benefit protection — no cash value buildup
- Convertibility option lets you switch to permanent coverage later
- Ideal for income replacement, mortgage protection, and child-rearing years
Protection sized to your mortgage, designed to pay off your home.
Mortgage protection insurance is a specific type of term life policy structured to match your mortgage balance and term. If you pass away before the mortgage is paid off, the death benefit pays the loan in full — keeping your family in the home, debt-free, no matter what. Many policies also include living benefits for terminal, chronic, or critical illness.
How It Works- Coverage amount typically matches your mortgage balance
- Term length usually matches your mortgage term (15, 20, 30 years)
- Many policies include living benefits — accelerated death benefit if diagnosed with terminal, chronic, or critical illness
- Beneficiaries receive cash directly (not paid to lender) — full flexibility
- Often available with simplified or no-medical-exam underwriting
Permanent life insurance designed for tax-free wealth strategy.
Indexed universal life is a permanent life insurance policy with a death benefit and a cash value account that earns interest based on the performance of a market index (like the S&P 500). Unlike investing directly in the market, IUL has a floor (typically 0–1%) protecting against market losses, but also a cap on upside. When properly structured and funded, it can be one of the most powerful tax-advantaged wealth strategies available.
How It Works- Permanent death benefit that doesn't expire
- Cash value grows tax-deferred, indexed to market performance
- Floor protects principal in down markets (typically 0% minimum)
- Cap limits upside (typically 9–13% on most index strategies)
- Can be accessed tax-free via policy loans in retirement
- Death benefit passes tax-free to beneficiaries
IUL Cash Value Projection
See how cash value can grow over time. Contributions stop at age 65; projection runs to age 120.
A contract that turns a lump sum into guaranteed income for life.
An annuity is a contract with an insurance carrier where you provide a lump sum (or series of payments) in exchange for guaranteed income — either now (immediate annuity) or starting at a future date (deferred annuity). Annuities are designed to solve one of the hardest problems in retirement: making sure you don't outlive your money.
How It Works- You contribute a lump sum (or series of contributions)
- Money grows tax-deferred during the accumulation phase
- At a chosen date, the contract begins paying you guaranteed income
- Income can be guaranteed for life, a fixed period, or both
- Various types: fixed, fixed indexed, variable, immediate, deferred
- Often includes optional riders for inflation, beneficiary protection, etc.
Should one of these be part of your strategy?
Sometimes the answer is yes. Sometimes it's no. Sometimes it's "yes, but not the way it was sold to you." Book a 30-minute conversation and you'll leave with a clear answer either way.
Your booking calendar will be embedded here.
The independent agent landscape is shifting fast.
If you are reading this page, you probably already feel one of these. Maybe all three.
Medicare income is tightening.
Carrier compensation cuts, rules tightening, and AI tools eating into the easy lead flow. The ground is moving and the smart play is diversification.
Term-only books plateau.
Term sells fast, pays once, and never builds a real practice. Advisors who add permanent life and financial strategy build assets, not transactions.
Captive contracts limit the conversation.
If your contract decides what is best for the client before the conversation starts, you are not advising — you are distributing. Independence is leverage.
A platform built like a practice, not a recruiting org.
The difference shows up in how clients are served, how strategies are built, and how advisors are supported.
An integrated advisory team behind every case
Tax strategists, exit planners, and wealth analysts already on the team. You bring the relationship; the team brings the depth.
Multiple revenue streams in one practice
Life insurance, financial strategy engagements, and exit planning fees — diversified income that is not dependent on Medicare AEP.
Marketing and lead infrastructure
Branded materials, event programming, content support, and outbound systems — built so you spend more time advising and less time chasing.
Sales training built on No Resistance Sales
Permission-based, curiosity-led, zero-pressure framework. The opposite of cold-pitch insurance training.
Bilingual market access
Spanish-speaking advisor support and materials — a market most agencies leave on the table.
A real partnership, not a code in a system
You are part of a firm with a brand, a team, and a real client deliverable — not just a producer ID inside someone else's IMO.
The right advisor for ROW Group.
You are likely a fit if:
- ✓ You hold an active 2-15 license (FL) or out-of-state equivalent
- ✓ You want to operate as an advisor, not a closer
- ✓ You are coachable, professional, and ethically grounded
- ✓ You want to expand into permanent life and financial strategy
- ✓ You see the long game, not just this month's commissions
What you can expect:
- ★ Onboarding to the integrated advisory team model
- ★ Carrier access and case design support
- ★ Sales script library built on the NRS methodology
- ★ Branded marketing materials and event support
- ★ A team that picks up the phone when you need them
Take the first step.
Send a brief introduction and we'll be in touch within one business day. The first conversation is informal — you tell us about your practice, we tell you about ours, and you decide whether the next step makes sense.
All conversations are confidential. We do not contact your current carrier or upline.
One firm. Two sides of your financial life. Zero patience for the old way.
ROW Group FL, LLC was founded on a simple observation: the people who actually need coordinated advice — working families, individual high earners, and small business owners — are the ones least likely to get it. Most clients we meet have a CPA who doesn't know their estate plan, an advisor who only knows products, and an insurance person who shows up once a year. Three professionals, three opinions, one client paying for the disconnects.
We built ROW Group to fix that. Our model is integrated: a client's life insurance specialist, tax strategist, exit planner, and wealth analyst all sit at the same table on the same case. They build the strategy together. They review it together. They update it together as your life and business change.
We serve two distinct audiences with the same coordinated team. Individuals and families come to us for honest life insurance, retirement planning, asset protection, and tax-aware wealth strategy. Business owners — particularly in trades, medical practices, and growing companies — come to us for tax structure, exit planning, and the protection layers that keep what they've built intact.
We're based in Florida, capable nationally, and stubborn about keeping integrity above growth. We are not the cheapest. We are not the loudest. We are the firm that takes the time to actually build the architecture — and tells you the truth about what you actually need.
The advisor model is broken. We rebuilt it — for both sides of your financial life.
Whether you're protecting your family with the right life insurance, or a business owner planning your exit — the same broken pattern is costing you. The same coordinated team is the answer.
One team across protection AND strategy
Life insurance specialists, tax strategists, exit planners, and wealth analysts working from the same page — not separate professionals you have to translate between.
Strategy language, not product language
You'll never hear us pitch a product before we understand the goal. We build the strategy first; the financial vehicles are the last conversation, not the first.
Honest framework on life insurance
We'll tell you when term is the right answer, when permanent fits, and when neither does. The policy that pays us the most is rarely the policy you actually need.
Built for individuals AND owners
Most of our clients are tradespeople, medical professionals, working families, and operators of growing businesses — people whose finances don't fit a calculator.
Honest math, every time
If a strategy doesn't fit you, we'll tell you. Credibility is the only thing we won't trade away.
The leadership behind ROW Group.
Two co-founders. One mission. A growing firm built around a coordinated advisory model.
Juan M. Ortiz
CEO & Co-FounderJuan M. Ortiz is a seasoned executive and entrepreneur with over 25 years of experience leading Fortune 500 companies and building some of the nation's most profitable healthcare ventures. He is the founder of Etheva Healthcare Consultants and co-founder of VBC Associates, a fast-growing MSO managing over 40,000 lives across Florida.
As CEO of ROW Group, Juan brings his passion for mentorship and results-driven systems into the life insurance and retirement space. His track record spans healthcare, insurance, and consulting — with a focus on innovation, strategic growth, and helping others create lasting financial freedom.
Michael Werkmeister
COO & Co-FounderAfter more than 20 years in corporate America — leading operations, driving innovation, and building solutions for some of the world's most recognized companies like Walgreens, Amazon, and UnitedHealth Group — Michael has seen what great organizations get right and where many others fall short.
When he entered the insurance industry, he quickly realized there was a major gap between what was being offered and what people truly deserve — both clients and agents. That frustration turned into fuel, and it's what inspired him to become co-founder of ROW Group.
The integrated team behind every client engagement.
When you engage ROW Group, you're not hiring one advisor — you're plugging into a coordinated team of specialists. Here's who's at the table.
Tax Strategists
Strategic tax planners who go beyond filing. They engineer the structure of your business, your compensation, your retirement accounts, and your year-end positioning to legally minimize what you owe — coordinated with your CPA, never replacing them.
- Entity structure analysis
- Compensation & distribution strategy
- Retirement plan design
- Year-end planning
Tax Attorneys
Licensed attorneys who handle the legal-side complexity that tax strategy alone can't reach. From entity formation and restructuring to advanced tax controversies and compliance review, they cover the legal flank of your financial life.
- Entity formation & restructuring
- Tax controversy & IRS representation
- Compliance review
- Transaction structuring
Exit Planners
Specialists who help business owners design — and execute — their exit. Whether you're selling, transferring to family or partners, stepping back into a passive role, or building toward a generational handoff, the runway matters and we help you map it.
- Business valuation context
- Succession & transfer planning
- Buy-sell agreement review
- Pre-sale tax positioning
Financial Planners
Comprehensive planners who connect every piece of your financial life — income, savings, debt, protection, retirement, taxes, and goals. Their job is to make sure no part of your plan is operating in isolation from any other part.
- Comprehensive financial planning
- Cash flow & budgeting strategy
- Goal-based planning
- Coordinated review with all team members
Asset Management
Investment professionals who manage portfolios with discipline — risk-adjusted, cost-conscious, and aligned to your actual goals and timeline rather than benchmark chasing. Built for clients who want their money working hard without working against them.
- Portfolio construction & management
- Risk assessment & rebalancing
- Tax-efficient investing
- Performance reporting
Wealth Management
Comprehensive wealth strategists who oversee the full picture — investments, insurance, tax, estate, and protection — for high-net-worth and high-earning households. Wealth management at ROW Group is integrated by design, not bolted on.
- Holistic wealth strategy
- Estate-readiness planning
- Multi-generational planning
- Coordinated advisor oversight
Retirement Management
Retirement specialists who design income strategies that hold up across decades — accounting for taxes, inflation, longevity, healthcare, and the markets. Whether you're 10 years out or already there, the strategy adapts to where you actually are.
- Retirement income planning
- Social Security optimization
- Medicare & healthcare coverage strategy
- Distribution & withdrawal strategy
Life Insurance Specialists
Licensed agents specialized in protection-first life insurance — term, final expense, mortgage protection, indexed universal life, and annuities. They work alongside the strategists above so your protection layer is integrated, not isolated.
- Honest needs analysis
- Carrier-independent recommendations
- Cash-value strategy design
- Integrated with tax & wealth team
The way we work, and why.
Three words on every brand asset we publish. They are not a slogan; they are the test we run on every decision.
Integrity
We tell clients the truth — even when the truth costs us a deal. Especially then. Reputation is the only asset that compounds forever.
Care
Every client engagement starts with listening. Real listening — not waiting-for-our-turn-to-pitch listening.
Protection
Wealth is fragile. Lives are fragile. Our job is to make both less fragile — through proper insurance, smart structure, and decisions made before they are needed.
Ready to talk?
Whether you're an individual exploring life insurance, a business owner exploring the three pillars, or an advisor exploring the platform — we would rather have one honest conversation than a dozen sales pitches.
The ROW Group Journal
Practical breakdowns on tax strategy, exit planning, wealth protection, and the realities of building a business that lasts.
Browse insights ToolsTax Savings Calculator
An interactive tool to estimate the structural tax leverage available to a typical business owner. Coming in Phase 2 of the site rollout.
Coming Soon EventsThe 3 Pillars Sessions
Quarterly invitation-only strategy sessions for business owners. Held at The Closing City Title in Orlando.
View upcomingThe 3 Pillars Every Business Needs Now.
A free, invitation-only strategy session for business owners. Tax, exit, and protection — broken down in one focused hour.
The 3 Pillars Every Business Needs Now
A focused, no-pressure session covering the structural decisions most business owners overlook — until they cost real money. Bring your CPA, your spouse, your business partner. We will leave time for real questions.
4700 Millenia Blvd, Suite 240
Orlando, FL 32839
+ open Q&A
Light refreshments
Quarterly Sessions
Future dates announced quarterly. Sessions are limited to keep the conversation real — typically 12-20 owners per event.
The Tax Strategy Calculator.
An interactive tool that lets you input your revenue, entity structure, and current retirement plan setup — and shows the structural tax leverage available to a similar business profile.
We are building this carefully, with proper compliance review, so the math is honest and the disclaimers are clear. Available in Phase 2 of the site rollout.
Want early access? Tell us.Calculator Module
A custom interactive tool will live here in Phase 2 — inputs, outputs, and downloadable summary.
Pick a time that works.
A 30-minute conversation. We listen first, then we tell you whether we can help. No pressure, no pitch.
Tell us what you are working on.
If a calendar booking does not fit your situation, send a quick note and we will respond directly. Mention what kind of business you run, what you are wrestling with, and we will route you to the right person on the team.
Direct Contact
Email: info@rowinsgroup.com
Office: Saint Cloud / Orlando, Florida
Hours: Mon–Fri, 9am–6pm ET
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Information We Collect
ROW Group FL, LLC ("ROW Group," "we," "us") collects information you voluntarily provide when you fill out a form, book a session, subscribe to communications, or contact us. This includes name, email, phone number, business type, and any other information you choose to share.
We also collect basic technical information through cookies and analytics tools, including IP address, browser type, pages visited, and time spent on the site.
How We Use Your Information
We use your information to respond to your inquiries, schedule meetings, deliver requested services, send communications you have opted into, comply with legal obligations, and improve our website experience.
How We Share Your Information
We do not sell your personal information. We share information only with service providers who help us operate the business (such as our CRM and email platforms) under appropriate confidentiality terms, with regulators when required by law, or with your consent.
Your Rights
You may request access to, correction of, or deletion of your personal information by contacting us at info@rowinsgroup.com. You may unsubscribe from marketing emails at any time using the link in any message.
Data Security
We use commercially reasonable safeguards to protect your information. No system, however, is completely secure, and we cannot guarantee absolute security.
Contact Us
For privacy-related questions, contact us at info@rowinsgroup.com.
Legal Note: This is a starter privacy policy. Florida and federal regulations may require additional disclosures depending on your data practices. Please review with qualified legal counsel before publishing.
Last Updated: [Date] · This is a placeholder document — review and finalize with legal counsel before publishing.
Acceptance of Terms
By accessing or using rowgrp.com, you agree to be bound by these Terms of Service. If you do not agree, do not use this site.
Use of the Site
This website is operated by ROW Group FL, LLC. The content is for informational purposes only and does not constitute financial, legal, tax, or insurance advice. You should not act on any information without first consulting an appropriately qualified professional regarding your specific situation.
No Advisor-Client Relationship
Use of this website does not create a financial advisor-client, attorney-client, or fiduciary relationship between you and ROW Group. Any such relationship is established only through a separate, signed engagement agreement.
Insurance Licensing
ROW Group offers insurance products through its licensed agents. Insurance products are subject to state regulation and individual underwriting. Coverage and availability vary by state and applicant.
Intellectual Property
All content on this site — including text, logos, graphics, and brand identity — is the property of ROW Group FL, LLC and is protected by copyright and trademark law. You may not reproduce, distribute, or create derivative works without written permission.
Limitation of Liability
To the fullest extent permitted by law, ROW Group is not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its content.
Governing Law
These terms are governed by the laws of the State of Florida.
Contact
Questions about these terms can be sent to info@rowinsgroup.com.
Legal Note: This template should be reviewed with qualified Florida legal counsel before publishing, particularly given the regulated nature of insurance and financial services.
Last Updated: [Date] · This is a placeholder document — review and finalize with compliance counsel before publishing.
General Disclosure
ROW Group FL, LLC is a Florida-based financial strategy and insurance services firm. The information presented on this website is for general informational and educational purposes only. It is not, and should not be construed as, financial, legal, tax, or investment advice.
Insurance Licensing
Insurance products are offered through licensed agents of ROW Group FL, LLC. Insurance products are subject to state insurance regulation and individual underwriting. Availability and terms vary by state. License information available upon request.
Not Tax or Legal Advice
Tax-related information on this site is general in nature and is not intended to be a substitute for personalized tax advice from a qualified CPA or tax professional. Legal information is general in nature and is not a substitute for advice from a licensed attorney. Always consult appropriate professionals before acting on any strategy described here.
Past Performance
Any references to historical performance — of insurance products, market indexes, or strategies — are not predictive of future results. All financial and insurance products carry risk, including the potential loss of principal in some cases.
Testimonials
Any testimonials displayed on this site reflect individual client experiences and are not necessarily representative of all clients. No compensation has been provided in exchange for testimonials. Individual results vary.
Forward-Looking Statements
Statements regarding future events, outcomes, or projections are forward-looking and inherently uncertain. ROW Group makes no guarantee of any specific result.
Contact
For compliance-related questions, contact info@rowinsgroup.com.
Compliance Note: This is a starter disclosures template. Depending on the products you offer (especially indexed universal life, annuities, or any securities-adjacent strategies) you may need additional state-specific disclosures, FINRA-style language if any rep is securities-licensed, and product-specific risk language. Review with qualified compliance counsel before publishing.