Insightful Solutions. Proven Experience. Retirement You Can Count On.

I'm Evan Belaga CFP, CLU, ChFC. For over 4 decades I've helped individuals, families, and business owners across all 50 states build plans that hold together when life gets complicated. Income, taxes, insurance, retirement, estate planning — it all connects. I make sure it does.

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Evan Belaga

CFP | CLU | ChFC

Fiduciary • Serving Clients in All 50 States • In Practice Since 1982

"I've been putting these pieces together for over four decades. Every client is a puzzle — income, taxes, insurance, investments, estate planning. My job is to make sure every piece fits, and nothing falls through the cracks." — Evan Belaga, CFP, CLU, ChFC

The Whole Picture, Not Just a Piece

Most advisors live in one lane. They're the insurance guy or the investment guy or the tax guy. I've spent my entire career working across all of it at once — because income, taxes, insurance, retirement, estate planning, and Social Security don't operate in isolation. If you only fix one thing, you're often making the others worse without knowing it.

Independent and Unbiased

I'm not captive to any company or product line. As an independent fiduciary, I have unrestricted access to the most competitive, innovative, time-tested solutions in the marketplace. I shop the entire market on your behalf and recommend only what fits your specific situation — not what earns the highest commission.

Advisors Who Actually Show Up

I started in 1982 and I've been working remotely since before remote was a thing. I've helped clients from Hawaii to New York to Virginia find financial clarity. You don't need to be in the same zip code for this to work. You need the right person in your corner.

Putting All The Pieces Together...

To Inform, Educate & Provide...

Are These Fears Still Keeping You Awake at Night?

Most people come to me with one of four concerns. They may not be able to name it exactly, but something is keeping them up. These are the four I hear most often — and the four I've been solving for over 40 years.

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Running Out of Income Before You Run Out of Life

You've been earning a paycheck your whole career. When it stops, something has to replace it. Social Security helps, but for most people it's not enough. The gap between what you were earning and what Social Security provides can quietly drain everything you worked for — if nobody built a plan to fill it. I've helped thousands of clients across all 50 states build income they can't outlive. That's where we start.

Paying More in Taxes Than You Have To

Most people I talk to are significantly overpaying. Not because they're careless, but because nobody showed them the legal strategies available to them. Roth conversions, tax-efficient distribution sequencing, the right annuity structure, retirement plan distribution rules — these aren't secrets. They just require someone who knows how to deploy them at the right time, in the right order.

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A Healthcare or Long-Term Care Event That Wipes Out Everything

Nearly 70% of people age 65 today will need some form of long-term care. Most families don't think about what that costs until a parent needs it. At that point, the plan either holds or it doesn't. I specialize in solutions that protect your assets against this specific risk — including combination policies that cover life, disability, and long-term care together, so your premiums are never just money spent on nothing.

Your Estate Never Reaching the People You Intended

You can do exceptional planning and still leave your family a mess. Estates end up in probate. Assets get tied up. Documents sit in drawers, unfunded and unimplemented. Estate planning isn't just about having the right papers. It's about making sure those papers actually do what you intended them to do... That your wealth reaches your family, not the courts.

How Evan Belaga Helps You

Every client's situation is different. I don't walk in with a product to sell. I come in with questions, take time to understand the full picture of your financial life, and then build a plan that connects every piece toward one purpose: protecting what you've built and making sure it reaches the people and goals you care about.

Retirement Income & Planning

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Creating Income You Can't Outlive

When the paycheck stops, something has to replace it. I help clients build guaranteed income streams that show up every month regardless of what the market is doing, so the essentials are always covered and the rest of your portfolio has room to breathe.

Social Security Optimization

When you claim and how you claim can mean a six-figure difference over your lifetime. I analyze your specific situation and build a claiming strategy that maximizes what you've earned, including how it interacts with your spouse's benefits and your tax picture.

Annuities: The Right Fit for the Right Situation

An annuity isn't right for everyone, and I'll tell you honestly when it isn't. When it is the right tool, a well-structured annuity provides the guaranteed paycheck that makes the rest of the plan possible. I shop the full marketplace for your situation.

The Combination Policy Most People Don't Know Exists

One policy covering life, disability, and long-term care together. Instead of paying separate premiums for coverage you may never use, this approach ensures your money always does something useful. Most people have never heard of it, and it changes the math entirely.

Life Insurance

Life insurance is foundational to almost every plan I build. It maintains your family's lifestyle, provides immediate liquidity, and covers estate costs. I help clients identify exactly what type and how much they actually need.

Long-Term Care Planning

Nearly 70% of people age 65 will need some form of long-term care, and Medicare covers very little of it. I build plans that account for this before the need arrives, using combination policies, annuity riders, and standalone LTC coverage to protect what you've built.

INSURANCE & RISK MANAGEMENT

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BUSINESS OWNER PLANNING

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Succession and Exit Planning

Whether you're selling, passing the business on, or planning a clean exit, the structure matters. Life insurance is often the cornerstone of a succession plan, funding buy-sell agreements and protecting surviving partners without disrupting operations or family.

Key Person and Business Protection

Most businesses insure their buildings but leave their most important asset, their people, completely exposed. Key person insurance, overhead protection, and buy-out coverage protect the business if a critical person becomes disabled or dies.

Family Wealth Plan

Your business and your personal wealth are more connected than most people realize. I help business owners make sure both sides of the equation are working together so personal and business wealth build value at the same time.

Keeping More of What You've Earned

Most people are overpaying in taxes, not because they're careless, but because nobody showed them the legal strategies available. I look at income, retirement distributions, and asset structure together to find where taxes can be reduced without unnecessary risk.

Investment Management

As a fiduciary, I'm obligated to act in your best interest, not in the interest of any product or company. I help clients evaluate what they own and build strategies that match their actual risk capacity and timeline.

Retirement and Benefits Planning

A strong benefits plan is one of the best recruiting and retention tools a business has, and it matters for your personal retirement picture too. I review everything from retirement plan structure to deferred compensation to make sure it's working as hard as it should.

INVESTMENT & TAX STRATEGY

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3 Steps to a Plan That Actually Holds Together.

1

The Discovery Call

You don't need to have everything figured out before we talk. Most people come to me with a feeling that something is missing or something isn't working — and that's enough. The first call with Evan Belaga is complimentary, no-pressure, and focused entirely on understanding where you are and what's keeping you up at night. No checkbook required. No obligation. Just a real conversation.

2

Build the Full Picture

I've been doing this since 1982. I know that even the wisest advisor in the world can't build a good plan without understanding the full picture. Before I recommend anything, I take time to understand every dimension of your financial life — income, taxes, assets, insurance, family situation, timeline, and goals. Once the full picture is clear, what's missing becomes obvious.

3

Implement and Stay With You

Once the plan is built, the work doesn't stop. I personally analyze your situation, personally shop the marketplace for the most competitive solutions, and personally stay with you through implementation and beyond. I'm not a call center. I'm one person who actually knows your name and your situation — and picks up the phone.

Book Your Discovery Call

About Evan Belaga

Evan Belaga CFP, CLU, ChFC

Fiduciary - Independent Financial Planner

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