This opportunity involves acquiring an independent advisory practice focused on insurance solutions and retirement income strategies for individuals approaching or living in retirement. The firm serves clients within a metropolitan area in the Pacific Northwest and emphasizes education-driven planning, including guidance on Social Security timing, Medicare options, tax-conscious income strategies, and foundational estate considerations. Product recommendations are drawn from a broad, non-captive set of providers.

The business operates with a streamlined structure. The owner contributes limited weekly hours, concentrating on client-facing activities, marketing initiatives, and closing new business, while two support staff handle administrative coordination and client service tasks. New prospects are generated through a combination of recurring educational seminars, small-group informational events, referrals, digital inquiries, and targeted advertising. The practice is based in a physical office location, with the option for a buyer to acquire or lease the real estate.

Income is derived primarily from commissions with ongoing renewal components. Revenue is diversified across several product categories, including annuities, life insurance, long-term care coverage, Medicare supplement plans, and a smaller portion from fee-based consultations. The existing book of business includes a substantial base of in-force policies that generate recurring income through renewals and trailing commissions. New client activity averages several policies per month, and retention is strong, with most client turnover occurring due to life events such as relocation or mortality.

There are clear opportunities for expansion, including increasing the frequency of educational events, enhancing digital marketing efforts, extending office hours to capture additional demand, and deepening cross-selling across product lines. Additional upside may come from forming partnerships or adding capabilities to offer broader advisory services, subject to appropriate licensing. Established follow-up systems and review processes support long-term client engagement and repeat business.

A buyer will need to hold an active state license for life and health insurance. Additional certifications may be beneficial but are not mandatory. The seller is willing to provide transition support over an extended period, assisting with client introductions, relationship transfer, and training on the firm’s education-based client acquisition approach.