Keep More. Protect More. Leave More.

Protect your family's future with a life insurance strategy policy that provides financial security. Build toward a more confident retirement with tax-advantage solutions designed to help you preserve more of what you earn. 

Tax advantaged coverage tailored for you

Questions we all find ourselves asking:

Will I have enough to retire?

How much will taxes take from my retirement?

Am I missing opportunities I don't even know about?

What happens if I need care for several years?

Would long-term care expenses derail my retirement?

Can I leave money to my children more efficiently?

Services We Offer 

Super Roth IRA

Your retirement strategy should work as hard as you do. A properly structured “Super Roth” life insurance strategy can provide tax-advantaged growth potential, access to cash value, and a source of tax-advantaged retirement income. Planning early gives your money more time to grow

Long Term Care

The right strategy can help prepare for future care expenses while preserving the retirement you’ve worked hard to build. Planning early provides more options and greater flexibility for whatever the future may bring.

 

Term Life Insurance 

Life changes, and your life insurance should keep pace. Don’t wait until your policy is nearing expiration to review your coverage and available options. A proactive policy review helps ensure your protection continues to align with your family, finances, and long-term goals. 

"Capstan Insurance made finding the right coverage for our family straightforward and stress-free. Their team in Sarasota genuinely cares about securing what matters most to us."

Craig - Sarasota Client

Ready to secure peace of mind today?

Connect with our expert advisor in to review your current policy or schedule a consultation for custom insurance coverage.

FAQ

How do I know which coverage is right for my financial goals?

Our Sarasota agents evaluate your specific needs, goals and risk factors to recommend tailored protection that meets and protects future your goals. 

What is a Super Roth IRA?

“Super Roth” is an informal term sometimes used to describe a permanent life insurance strategy designed to build cash value while also providing a life insurance death benefit. It can be incorporated into a broader retirement strategy for clients looking for another source of potentially tax-advantaged retirement income.

How quickly can I schedule an appointment with an insurance advisor?

You can book an appointment online or call our Sarasota office directly to speak with an agent during standard business hours.

Tax-Advantaged Retirement

It’s not only how much you save—it’s how much you get to keep. Building tax diversification into your retirement strategy may give you greater flexibility when it's time to turn your savings into income.

Life Insurance

Life insurance is about more than what you leave behind—it’s about protecting the people and plans that matter today. We help you determine the right type and amount of coverage for your family, your business and your long-term financial goals.

Long-Term Care

You’ve spent a lifetime building your future. Long-term care shouldn’t undo it. Planning ahead can help protect your independence, preserve your assets and reduce the financial burden placed on the people you love.

How can I pay less in taxes during retirement?

Where your retirement income comes from can be just as important as how much you've saved. We can explore strategies designed to create greater tax efficiency and flexibility in retirement.

Am I taking too much risk with my money?

Your investment strategy should reflect where you are today—not where you were ten years ago. We can help evaluate whether your current level of risk fits your retirement timeline and goals.

What am I missing?

Sometimes the most important risks are the ones you haven't considered. We look beyond individual products to help identify potential gaps and bring the different pieces of your financial life together.

 

Get in touch with Scott Pinkham At Capstan Insurance

123 Main Street, Suite 400
Sarasota, FL 34236

Office hours

Monday – Friday: 8:30 AM – 5:00 PM
Saturday & Sunday: Closed

Phone 

941-477-5340

scott.pinkham@capstanins.com

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