Providing retirement and financial solutions to teachers and school employees since 1980. I'm — an independent insurance and retirement specialist working with families and business owners on life insurance, indexed universal life, and annuities. Real conversations. Clear numbers. No pressure.
"Clear, patient, and never pushy. Explained options I'd never heard from any other agent."
I help families and business owners design protection and retirement strategies that hold up in real life — not just on paper. Every plan starts with your numbers, your goals, and the carriers most likely to underwrite you favorably.
Term, whole, and final expense coverage from 30+ A-rated carriers — priced to fit your budget today and the family you're protecting.
Predictable lifetime income, guaranteed growth, and rollover strategies for the retirement income you can't outlive.
Permanent protection with cash value that grows tied to a market index — without market losses. Tax-advantaged retirement income.
"Most people don't need more product. They need someone willing to explain it without an agenda."
I'm Al Richardson, CAC. I've spent the last forty years in school classrooms, conference rooms, and staff meetings helping teachers, school employees, and their families complete their retirement programs. My focus has been helping them create lifetime income—taxable or tax-free—that works alongside their state retirement benefits and Social Security.
I've also helped educators understand the differences between Class II, Class III, and ORP retirement plans, including identifying which plan they participate in and how it fits into their overall retirement strategy.
Every conversation starts with listening. Every recommendation comes with clear numbers. And every decision is yours to make.
No high-pressure tactics. No same-day sign-here calls. We move at your pace, with the carriers and numbers in front of you the whole time.
30 minutes on the phone or video. We talk about your family, finances, and what "protected" actually means to you. No products mentioned.
I come back with two or three options across multiple carriers — with numbers, illustrations, and the trade-offs of each spelled out clearly.
I shepherd your application through the underwriting process. You get one point of contact — me — not a call center.
Life changes. Your coverage should too. I review your plan every year — no charge — so it keeps up with promotions, kids, homes, and retirement.
Access to 30+ A-rated carriers means I quote your case against the whole market — not just one captive product shelf.
I'll never ask you to sign on the first call. You see the numbers, take them home, and decide on your timeline.
One agent, one phone number, one email — for the entire life of your policy. No call centers, ever.
You'll get plain-English explanations of every clause, rider, and illustration — never insurance jargon hiding the fine print.
I shop the entire market for you — including .
"Mr. Albert Richardson, we have known you since March of 2001. Thank you for all your help doing my mom and my retirement planning. We would have been lost without your expertise, assistance and support. Having you at our side to get our retirement done right has been truly a blessing. Thank you for making a difference in our life. Pray others get a chance to use your amazing services. Your services and guidance are truly appreciated!!!"
"To Whom It May Concern: I have worked with Albert Richardson for more than 20 years. I worked with him during my working years and I continued to work with him during my retirement years. He is kind, compassionate, patient and loves his job. He explains financial things in a way anyone can understand. He welcomes all questions and if he does not know the answer, he will research the item and return with the answer. He always seeks the most current financial trends to improve his clients' finances. I trust him implicitly with my finances and will highly recommend him to anyone seeking financial services."
"AL is great! He always returns my calls and gets answers to all my questions. I couldn't ask for any better service."
Some people would rather call. Some would rather email. Both work. Pick whatever feels easiest — I respond within one business day.
If your question isn't here, the discovery call is the right place — no obligation, no pitch.
Schedule a call insteadThirty minutes. Real numbers. Zero pressure. Walk away with clarity — whether you become a client or not.
Pick whichever feels easiest. I respond to every inquiry within one business day.