Serving clients since 1994
Transparency, integrity, and trust form the foundation of our relationships with clients. We pride ourselves on providing forthright and objective Financial Guidance, staying current with market trends, and adapting our strategies to the changing tax landscape to limit liability.
Menu of services provided
Our most requested services
We provide personalized financial services and retirement opportunities that may include equity downside protection features designed to help manage market risk. Depending on the product and policy terms, certain risks may be transferred to an insurance carrier to help support your retirement journey.
INDEPENDENT
Medicare guidance, education & enrollment
When you cross over the 64-year-old point, Medicare become top of mind. The issue is, you've never spent any time learning or understanding coverage options available to you. Our significant time in this field on both sides of the standard offering types provide real-world insight...
INDEPENDENT
Indemnity/GAP Insurance, Medicare Part C & D
Are you perplexed with the jargon surrounding Medicare Part C? $0-dollar premium plans? How does that work? Do I need a Part D plan? I don't take any medications! If there is no premium, how can there be a MAX out of POCKET?..
INDEPENDENT
Retirement Income Planning
Retirement is about INCOME, not assets - IDEALLY, tax-free income formed as a Roth IRA or properly designed IUL policy with mutual insurer.
Our comprehensive confidential fact finder can uncover unknown possibilities...
INDEPENDENT
RILA/FIA Protected Growth
Registered Index Linked annuities have become one of the greatest consumer product ever invented. These annuities allow you to transfer certain financial risks to an insurance carrier, subject to the product's terms and conditions. Typical holding periods are 3 or 6 years. Longer holding periods may offer higher crediting rates and participation rates. Full liquidity riders may be available, depending on the product and policy terms.
INDEPENDENT
Multi-Year Guaranteed Annuity (MYGA) Rates Over 6%
Explore Multi-Year Guaranteed Annuity (MYGA) options designed to help support your retirement goals. Rates vary by carrier, term, and premium band, and may increase or decrease. Deposits starting as low as $2,500, subject to product terms.
Rates as of October 12, 2026. Rates vary by carrier, term, and premium band, and may increase or decrease. Example: Oxford Multi-Select 10-year at 6.35%.
Our Team
At Calton & Associates, I provide personalized financial guidance built around your unique goals and circumstances. As an independent representative, I work directly with each client to understand their needs, simplify complex financial decisions, and provide thoughtful strategies designed to support their long-term financial success.
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