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Protecting What Matters Most

Imagine a future where your child's care and financial security are guaranteed, even when you're no longer there. With the right life insurance plan, you can create that enduring safety net of love and support, ensuring their needs are met, and their future is bright, no matter what. Our mission is to transform those "what ifs" into peace of mind,

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Shape 509 FINANCIAL services

When you book your free consultation, you'll discover how to:

Gain clarity and confidence

in navigating complex financial planning: We'll simplify the process, answer all your questions in a clear and friendly way, and empower you to make informed decisions about your family's future.

Alleviate worries about burdening

other family members: Learn how to create a financial structure that supports your child without placing undue pressure on siblings or other loved ones, allowing them to focus on love and care, not just finances.

Design a tailored plan

to provide lifelong financial security for your child: We'll walk you through your options and help you create a plan that specifically addresses your child's unique needs and future expenses, giving you invaluable peace of mind.

Shape The Modern Shield Handbook

Unlocking peace of mind by understanding life insurance

Imagine the peace of mind knowing that, no matter what happens, your loved ones are financially protected. This book isn't just about insurance; it's about securing your legacy and ensuring stability for those who matter most.

  • Beyond Protection
  • Tailored for You
download now
Shape The Modern Shield Handbook

Unlocking peace of mind by understanding life insurance

Imagine the peace of mind knowing that, no matter what happens, your loved ones are financially protected. This book isn't just about insurance; it's about securing your legacy and ensuring stability for those who matter most.

  • Beyond Protection
  • Tailored for You
download now

Are These Thoughts Keeping You Up at Night?

We understand the unique worries

We understand the unique worries that come with cherishing and caring for a family, especially when a loved one has lifelong needs. You're not alone in these thoughts. Here are some common concerns we hear from families just like yours, and how a thoughtful financial plan, built around the security of life insurance, can provide the reassurance you deserve.

The Worry of Burdening Loved Ones

We understand the unique worries that come with cherishing and caring for a family, especially when a loved one has lifelong needs. You're not alone in these thoughts. Here are some common concerns we hear from families just like yours, and how a thoughtful financial plan, built around the security of life insurance, can provide the reassurance you deserve.

The Uncertainty of Future Costs

You know the costs of caring for your child with disabilities are significant now, and you anticipate they will continue throughout their lifetime. You might worry about inflation, potential cuts to government funding, or unforeseen medical expenses. This uncertainty can make long-term financial planning feel like a guessing game, leaving you feeling insecure about the future.

Addressing Common Concerns and Finding Your Path Forward

We understand that thinking about life insurance and the future can bring up a lot of questions and even some hesitation. It's a significant decision, and you deserve to feel comfortable and informed every step of the way. Here are some common thoughts and concerns we often hear, along with our perspective:

Life insurance feels like a big expense right now, and I have so many other costs.

We absolutely understand that families raising children with disabilities often have significant and ongoing expenses. However, think of life insurance not as just another bill, but as a critical investment in your child's long-term security. It's about ensuring that the ongoing costs of their care – which will exist regardless of your presence – are covered. We can help you explore different coverage options and find a plan that fits your budget while providing meaningful protection. Starting with even a smaller, manageable policy can make a significant difference in their future financial well-being.

My child receives government benefits. Isn't that enough?

Government benefits like SSI and Medicaid are vital and provide essential support. However, they often don't cover all the costs associated with quality care, housing, therapies, and the enriching experiences that contribute to a fulfilling life. Life insurance can provide the supplemental funds needed to bridge those gaps, enhance your child's quality of life, and ensure they have access to everything they need, without jeopardizing their eligibility for government assistance when structured correctly with a special needs trust.

Thinking about the 'what ifs' and my own mortality is really difficult.

We completely understand. It's not easy to think about not being there for your loved ones. However, we believe that facing these difficult thoughts head-on, with a focus on proactive planning, is one of the most loving and responsible things you can do. Life insurance, in this context, becomes an act of love and a way to provide enduring care and security for your child, allowing you to live your present days with greater peace of mind knowing you have a plan in place. We're here to guide you through this sensitive process with empathy and understanding.

Life insurance seems complicated, and I don't know where to start

You're not alone in feeling this way. The world of insurance can seem overwhelming. That's where we come in. We're dedicated to simplifying the process and providing clear, easy-to-understand information. We'll take the time to answer all your questions, explain your options in plain language, and help you navigate each step with confidence. Our free consultation is the perfect starting point – a no-pressure conversation where we can explore your needs and answer your initial questions.

What if my child's needs change in the future?

It's true that your child's needs may evolve over time. While we can't predict the future, we can help you build a life insurance plan that offers flexibility. We can discuss options for increasing coverage in the future if needed, and the funds within a well-structured special needs trust can be used to adapt to changing circumstances and provide the necessary support as your child grows and their needs evolve. Regular policy reviews are also an important part of long-term planning to ensure your coverage continues to meet your family's needs.

Our Story: Built on Love and a Promise to Protect

At 509 Financial, our mission is deeply personal. It began with our founder, Aaron Lunt, and a profound understanding of the fragility of life and the enduring power of family. The name “509 Financial” isn’t just a number; it’s a tribute to Aaron’s brother, a dedicated police officer whose badge number it was. When Aaron’s brother passed away, it was a stark reminder of the unexpected turns life can take and the vital need to protect those we hold dearest.

This loss ignited a powerful sense of purpose in Aaron – a calling to serve and protect families in a different, yet equally crucial way. He saw his life’s mission as being a “superhero” for families, providing them with the shield of financial security against life’s uncertainties.

But Aaron’s commitment isn’t just rooted in loss; it’s profoundly shaped by the joys and challenges of his own family. As a loving dad and husband to four wonderful children, Aaron intimately understands the desire to safeguard their future. And like many of you, his family includes a precious child with special needs – non-verbal, and with the innocent spirit of a baby.

It was through the lens of being a parent to his “forever child” that Aaron’s passion for helping other families with similar circumstances truly took flight. He understands the unique worries and responsibilities that come with raising a child who will always need extra care and support. The thought of who will be there to provide and care for his child when he no longer can became a driving force.

Aaron realized he had to be the catalyst for change – to empower other parents of “forever families” to take control of their financial future and build that essential safety net of love and security for their children. He knows firsthand the deep desire to protect what matters most and the peace of mind that comes from having a plan in place.

At 509 Financial, we’re more than just an insurance provider. We’re a team built on empathy, understanding, and a genuine desire to help you protect your family’s tomorrow, today. We’re here to walk alongside you, offering guidance and support to ensure your loved ones are cared for, no matter what the future holds.

At 509 Financial, our mission is deeply personal. It began with our founder, Aaron Lunt, and a profound understanding of the fragility of life and the enduring power of family. The name “509 Financial” isn’t just a number; it’s a tribute to Aaron’s brother, a dedicated police officer whose badge number it was. When Aaron’s brother passed away, it was a stark reminder of the unexpected turns life can take and the vital need to protect those we hold dearest.

This loss ignited a powerful sense of purpose in Aaron – a calling to serve and protect families in a different, yet equally crucial way. He saw his life’s mission as being a “superhero” for families, providing them with the shield of financial security against life’s uncertainties.

But Aaron’s commitment isn’t just rooted in loss; it’s profoundly shaped by the joys and challenges of his own family. As a loving dad and husband to four wonderful children, Aaron intimately understands the desire to safeguard their future. And like many of you, his family includes a precious child with special needs – non-verbal, and with the innocent spirit of a baby.

It was through the lens of being a parent to his “forever child” that Aaron’s passion for helping other families with similar circumstances truly took flight. He understands the unique worries and responsibilities that come with raising a child who will always need extra care and support. The thought of who will be there to provide and care for his child when he no longer can became a driving force.

Aaron realized he had to be the catalyst for change – to empower other parents of “forever families” to take control of their financial future and build that essential safety net of love and security for their children. He knows firsthand the deep desire to protect what matters most and the peace of mind that comes from having a plan in place.

At 509 Financial, we’re more than just an insurance provider. We’re a team built on empathy, understanding, and a genuine desire to help you protect your family’s tomorrow, today. We’re here to walk alongside you, offering guidance and support to ensure your loved ones are cared for, no matter what the future holds.

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Shape Financial Solutions

Ready to Take Control of Your Financial Future?

We don't just sell policies; we partner with you to truly understand your unique worries and aspirations. Our mission is to transform those "what ifs" into peace of mind, by crafting clear, effective financial solutions tailored to your family's needs. From ensuring income replacement and debt protection to funding future education and securing a lasting legacy, we help you build a robust shield around your loved ones.

  • Beyond Protection
  • Tailored Financial Protection
  • Expert Guidance
  • Gain True Peace of Mind
Start consult
image
Shape Financial Solutions

Ready to Take Control of Your Financial Future?

We don't just sell policies; we partner with you to truly understand your unique worries and aspirations. Our mission is to transform those "what ifs" into peace of mind, by crafting clear, effective financial solutions tailored to your family's needs. From ensuring income replacement and debt protection to funding future education and securing a lasting legacy, we help you build a robust shield around your loved ones.

  • Beyond Protection
  • Tailored Financial Protection
  • Expert Guidance
  • Gain True Peace of Mind
Start consult

Our goal is to provide you with the information and support you need to make informed decisions that bring you genuine peace of mind,
knowing you’ve taken a powerful step to protect what matters most.

Schedule a Free Consultation

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