Plan Your Future with Confidence

Who we are

KM Insurance Planning is an independent insurance planning firm built on clarity, integrity, and long-term relationships. We exist to help individuals, families, and business owners make confident decisions about protecting what matters most, without confusion, pressure, or one-size-fits-all solutions.

We believe insurance should support your life, not complicate it. That’s why we focus on education, transparency, and thoughtful planning, taking the time to understand your goals before making recommendations. Our role is to simplify complex choices and advocate for your best interests every step of the way.

As an independent firm, we’re not tied to a single carrier or product. This allows us to remain objective, flexible, and fully aligned with our clients’ needs.

At KM Insurance Planning, we’re committed to being a steady, reliable partner, today and as your life evolves.

Our thoughtful planning approach

We focus on simple, straightforward advice tailored to your unique retirement and business insurance needs. Thoughtful planning starts with understanding the full picture, not just one piece of it. We look at how retirement planning, insurance coverage, and long-term protection work together, so nothing is considered in isolation. This integrated approach helps reduce gaps, avoid unnecessary overlap, and create a clearer path forward.

Our process is collaborative and flexible. We review what you already have, identify areas that may need attention, and walk through your options in a practical, real-world way. As your life evolves, your plan can evolve with it, allowing your retirement and insurance strategies to stay aligned with your goals, priorities, and changing needs over time. The result is planning that feels coordinated, intentional, and easier to manage.

Our Services

Tailored retirement and insurance solutions that's coordinated, clear and built around your life.

Retirement Planning

Personalized strategies to build income and confidence, this includes income planning and long-term care planning.

Life Insurance & Final Expenses

Whether you are looking for life insurance, burial coverage or protecting your future income, we will complete a full review for and gaps in coverage.

We partner with Legal Shield for individuals, businesses & HR Teams. Discover affordable access to life's legal questions, contracts and estate planning documents.

Legal Shield

Worksite / Business Planning

Voluntary benefits are a powerful tool when done right. We partner with businesses/HR to help fill gaps while offering added-value to keep your most valued employees with your company.

Have a question or want to book a meeting?

Send us a message!

We're here to help you make confident retirement and insurance decisions.

Insurance products and services are offered through KM Insurance Planning (DBA: US Burial, Fortifying Solutions). We value your privacy and are committed to TCPA and DNC compliance. By engaging with this site, you acknowledge that communications may be monitored or recorded for quality assurance. To opt-out of future communications, please email info@KMbenefits with 'Opt-Out' in the subject line.