Life Insurance Planning

Our primary focus in the areas of financial planning is to ensure no matter what curve ball life throws your way, we put together a well-thought-out plan to protect your family in case of sickness or illness, loss of income, and unexpected premature death.  Our team can shop among some of the top insurers in the marketplace through various brokerage channels for you, including but not limited to Mass Mutual Life Insurance, Guardian Life Insurance, AIG, Transamerica, Lincoln Financials, Prudential, John Hancock, and National Life. 

Retirement & Annuity Planning

Retirement income has to survive whatever the market does — and that's where annuities earn their place in a plan. Many annuities build in downside protection through buffers and floors, so a portion of market losses is absorbed before they ever reach your account, while still leaving room for growth. From there, you can turn accumulated savings into guaranteed lifetime income you can't outlive, add a long-term care multiplier that increases your payout should you need care, and secure a death benefit that passes remaining value to your beneficiaries. Together, these features let you plan around certainty rather than hope. At Zidichillo Financial, we help you decide which guarantees are worth paying for — and how much of your portfolio they should cover.

Long-Term Care & Living Benefits

The biggest risk to a retirement plan isn't a market crash — it's an extended care event. Long-term care planning addresses that directly, whether through traditional LTC insurance, hybrid life/LTC policies, or self-funding with a dedicated reserve, so that a need for home care, assisted living, or nursing care doesn't drain the assets you set aside for your spouse or heirs. Living benefits take a complementary approach: many life insurance policies now let you accelerate part of the death benefit while you're still alive if you're diagnosed with a qualifying chronic, critical, or terminal illness. The result is a policy that works when you need it most, not only after you're gone. Together, these strategies help you protect both your independence and the people who depend on you.

At Zidichillo Financial, we look at what you already own — existing life policies, employer coverage, savings — before recommending anything new, since many people have living benefits they don't know are there.

Estate & Legacy Planning

Your legacy is more than what you leave behind — it's the clarity, care, and confidence you pass on to the people you love. A thoughtful estate plan goes beyond a will: it coordinates your beneficiaries, powers of attorney, healthcare directives, and tax strategy so your wishes are honored exactly as you intend. At Zidichillo Financial, we work alongside your attorney and CPA to make sure every piece fits together, from protecting your assets during your lifetime to transferring them efficiently to the next generation. Planning today means your family can focus on each other tomorrow, not on paperwork.

Wealth Management/ Financial Planning through Prudential Advisors and LPL


Managing wealth well takes more than picking investments — it takes a plan that ties your portfolio, taxes, insurance, and goals into one coordinated strategy. Through Prudential Advisors and LPL Financial, we offer fee-based planning, where our compensation is tied to the advice and ongoing management you receive rather than to commissions on products sold. That structure keeps the focus where it belongs: on your objectives, your risk tolerance, and what you're actually trying to accomplish. As a fiduciary-minded practice, we put your interests first, review your plan as life changes, and adjust as markets and tax rules shift.

Trust & Will

A will or a trust is the foundation of every estate plan — and getting one in place shouldn't be the hardest part of the process. Through Trust & Will, a leading digital estate planning platform, we help you create legally valid wills and revocable living trusts quickly and affordably, without the drawn-out paperwork of a traditional engagement. You'll be guided step by step through naming guardians, beneficiaries, trustees, and distribution terms, with documents prepared to meet your state's requirements and stored securely with the option to update them as life changes. For more complex situations, we coordinate with your attorney to make sure the documents align with the broader plan we've built together.


Trust & Will is a separate company from Zidichillo Financials and LPL Financial. Estate planning documents are prepared by Trust & Will; Zidichillo Financials does not provide legal services.