Harry Richard Otis

Tax-Free Retirement Planning with Life Insurance in Michigan Worried about paying too much tax in retirement? You’re not alone. Many Michigan retirees find themselves blindsided by taxes on their retirement accounts. But there’s a lesser-known, powerful strategy: tax-free retirement planning with life insurance in Michigan. I’m Rick Otis, a licensed life insurance agent specializing in […]

Infinite Banking Strategy (IBC) in Michigan: Explained Simply Imagine running your own financial brewery, crafting wealth like a Michigan stout—smooth, steady, and yours to control. That’s the infinite banking strategy in Michigan, a way to steer your own financial ship using a whole life insurance policy. I’m Rick Otis, a licensed life insurance agent and

What Is Advanced Market Life Insurance and Who Needs It? If you’re a high-net-worth individual, business owner, or executive in Michigan, you’ve likely spent years building wealth—whether it’s a thriving company in Grand Rapids, a real estate portfolio in Ann Arbor, or a legacy for your family in Bloomfield Hills. But protecting that wealth and