Let's Learn - For Individuals

Navigating the world of insurance and finance can feel complex, but our mission is to make it simple. We believe in empowering you with clear, straightforward information so you can make confident decisions for your family and your future. Below, you can learn more about our two core services: Life Insurance and Annuities.

Note sure where to start? Fill out the 5-minute intake form:

Life insurance is a fundamental tool for protecting your loved ones. It ensures that if the unexpected happens, your family's financial future is secure. It's especially critical if you have a mortgage, outstanding debts, or children who depend on you.

• Who is it for? It's essential for anyone with financial dependents, from new parents to established homeowners.
• What does it do? It provides a tax-free cash benefit to your family that can be used to pay off the mortgage, cover living expenses, or fund future goals like college.
• Our Process: We'll help you determine the right amount of coverage and then shop our network of A-rated carriers to find a plan that fits your budget.

Ready to see your options?

Life insurance protects against dying too soon, annuities are designed to protect you from outliving your savings. They are a powerful tool for creating a reliable, guaranteed income stream in retirement that you can't outlive.

• Who is it for? Individuals who are planning for or are already in retirement and want to ensure their savings last.
• What does it do? It can convert a portion of your savings into a personal pension, protecting you from stock market volatility and providing peace of mind.
• Our Process: We take a holistic approach, analyzing your retirement goals to see if an annuity is a suitable fit for your financial plan.

Curious if an annuity is right for you? Let's discuss your retirement goals.

 A Roth IRA can be one of the most flexible ways to build tax-free income for retirement. Even small contributions can grow significantly over time — especially if you start early.

• Contributions grow tax-free
• Withdrawals in retirement are tax free
• No required minimum distributions

Open a Roth IRA with Robinhood

If you open a Roth IRA through the link above, I may receive a small referral bonus at no extra cost to you. This is not investment advice — please review all terms and consult your tax professional. 

This firm was founded by Kathryn Wilkens-Christopher, PhD. With two decades of experience in finance, Kathryn brings a depth of knowledge to every client conversation. She is a licensed insurance professional (license #W138125) dedicated to providing ethical, well-researched guidance.

When you work with Christopher Financial, you're not just a number. You're working one-on-one with an expert committed to finding sensible solutions to help you preserve wealth and protect your loved ones.