If your income stopped tomorrow, your family wouldn't live on what you earn. They'd live on what's actually in place. For most professionals, that's a fraction of what they assume.
30 minutes · No cost · No pressure
Employer coverage is a valuable benefit, but it was never designed to fully replace your income. Three limits matter most, and most people never read the fine print on any of them.
Employer plans typically offer only 1-2× your annual salary. Financial guidance suggests 10-15× your income to truly protect your family.
If you leave your job, get laid off, or retire, your employer coverage ends. You could be left uninsured when you need it most.
Group plans offer one-size-fits-all coverage with no ability to tailor policies to your family's unique needs, debts, or goals.
The fix is straightforward: know your number, then close the gap with coverage you own: protection that stays with you no matter where your career goes.
Review My CoverageThe core of our work is making sure your earning power, and the people who depend on it, are protected beyond what your employer provides.
Your ability to earn is your largest financial asset. Individual disability coverage replaces a meaningful portion of your income if illness or injury keeps you from working, and it doesn't disappear when you change jobs.
Coverage you own, beyond the group plan: portable, customizable, and sized to your actual obligations. Term, whole life, and universal life options from 50+ top-rated carriers.
Benefit packages that help business owners attract and retain talent.
401(k), TSP, and 403(b) rollovers raise decisions that shape your long-term security. We help you weigh your options and connect you with the right licensed specialists to execute them.
The rising cost of education makes early planning matter. We help you explore funding approaches and bring in the right specialists for the pieces that call for them.
Individual and family health coverage is part of a complete protection picture. We help you understand your options and connect you with the right coverage for your situation.
I'm Jeremy Johnson. I started JBJ Financial Services in 2017 with a simple goal: help families and professionals make confident decisions about the protection side of their finances. I'm based in Chicago and licensed to work with clients across the country.
Most of my clients are high earners across demanding fields (attorneys, engineers, corporate managers, pharmacists) who assumed their employer benefits had them covered until they actually ran the numbers. My job is to slow the conversation down, answer your questions in plain language, and build protection that fits your family. No scripts, no pressure, just honest guidance you can act on.
No pressure, no jargon. Three steps to a clear picture of where you actually stand.
We begin with a conversation about your family, your situation, and what you want your money to protect. No forms to fill out first, and no pressure.
We take what we learn and prepare something built just for you. No two are alike. You'll see clearly where you stand and where your protection may have room to grow stronger.
If it makes sense, we put the right coverage in place together and check in regularly. If it doesn't, that's a perfectly good answer too.
Get plain-language answers about coverage amounts, policy types, and how the process works, all before you ever book a call. Open the chat in the corner of your screen to start. It's educational only; when you're ready for specifics, it will point you to a Coverage Review.
Guides and tools to help you understand your coverage before you make any decisions.
Building wealth is only half the job. This guide covers the other half, protecting it. A plain-English walk through protection planning, insurance architecture, and estate basics, so a single bad event doesn't undo years of work.
A straightforward primer on how life insurance actually protects a family's finances, what it does, when it matters, and how to think about coverage. Free to read, no email required.
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