People need the right insurance, reviewed honestly by someone who understands the whole picture. I offer life insurance and final expense coverage as tools within a broader financial plan — and I review existing policies for clients who want to know if what they have still makes sense.
Why Insurance Belongs Inside Your Retirement Plan
Most people think of insurance as a separate purchase — something you handle with a different agent at a different time. But the decisions you make about life insurance, annuities, and long-term care coverage directly affect how much income you'll have in retirement, how much you'll owe in taxes, and what you'll be able to leave behind. When insurance is planned in coordination with the rest of your financial picture, you avoid coverage that overlaps, gaps that expose you, and premiums that strain a retirement budget. That coordination is what we bring to every client conversation.
Insurance Solutions Tailored to Where You Are in Life
I'm a financial advisor first. Insurance is one tool in a plan. I recommend coverage only when it fills a real gap, and I'll tell you plainly when it doesn't.
Coverage areas we work through with clients include:
- Life insurance — term and permanent options evaluated against your income replacement needs, debt obligations, and legacy intentions
- Annuities — structured income solutions that can provide guaranteed income you cannot outlive, reviewed for fit within your overall retirement income plan
- Long-term care insurance — coverage designed to address the cost of extended care without depleting assets or shifting the burden to family members
- Medicare supplement and gap coverage — particularly relevant for clients transitioning off employer health plans, including teachers leaving STRS Ohio and healthcare workers approaching retirement
- Disability income protection — for clients still in their working years who need to protect the income that funds everything else
What We Know About the People We Serve
Art Saylor's wife Melissa is a nurse. That means the healthcare worker experience — the shift differentials, the pension decisions, the benefit transitions — isn't abstract here. We've seen it up close. The same applies to Ohio public school teachers navigating STRS Ohio decisions and industrial workers weighing pension options against personal savings. Insurance needs look different depending on where your income comes from, what benefits you're leaving behind, and what risks your specific retirement structure carries. We account for all of it.
Independent Advice, Not a Carrier Quota
Because Saylor Wealth Strategies is an independent firm registered through Cambridge Investment Research, Art Saylor is not tied to any single insurance carrier. That independence matters when you're evaluating coverage. Recommendations are based on what fits your situation — not on what a particular company needs sold this quarter. We work with multiple carriers to find competitive products and present options clearly so you can make an informed decision.
How Insurance Planning Works With Us
Insurance conversations at Saylor Wealth Strategies follow the same process as every other planning area — we start with your full picture before making any recommendations.
Step 1: Review Your Current Coverage
We look at what you already have in place, what it costs, and whether it's still doing the job it was designed to do.
Step 2: Identify the Gaps
We map your coverage against your retirement income plan, your tax exposure, and your legacy goals to find where you're exposed and where you're over-insured.
Step 3: Present Coordinated Options
We bring forward specific product options from multiple carriers, explain the tradeoffs in plain language, and show how each option interacts with the rest of your plan.
Step 4: Implement and Revisit
Once coverage is in place, we revisit it as your retirement plan evolves — because the right coverage at 60 may need adjustment at 70.
Common Questions About Insurance Planning
Can you prepare my personal tax return (Form 1040)?
Yes. Individual tax preparation includes Form 1040 and related schedules based on your situation.
What documents do I need to bring?
You’ll receive a clear checklist before your appointment so you know exactly what to provide or upload.
Do you e-file?
Yes. Returns are filed electronically whenever possible for faster processing and confirmation.
Can you help if I worked in multiple states?
Yes. Multi-state returns are handled with attention to each state’s filing requirements.
Who actually prepares my return?
Your return is prepared by an IRS Enrolled Agent who signs and stands behind the work.
Ready to Review Your Coverage?
Insurance is one of the areas where a second opinion often reveals the most — either coverage that's working harder than you realized, or gaps you didn't know were there. If you're approaching retirement or already in it, a coordinated review of your insurance picture is worth the conversation. We serve clients in Coshocton, Newcomerstown, and throughout Ohio, with virtual appointments available for those who prefer to meet remotely.
