CGJ Financial · Insurance, Retirement, Mortgage Protection

Protect Your Family. Build Your Wealth. Secure Your Freedom.

Learn about us

One simple strategy that ties life insurance, 401(k) optimization, and mortgage protection together — so your money works today and grows for tomorrow.

No sales pressure. Just a clear plan and a side-by-side illustration showing what’s right for you.

Life Insurance Solutions

Right-sized protection plus optional cash value to create liquidity, legacy, and peace of mind. Compare term, whole life, and IUL side-by-side.

Life Insurance Solutions

Right-sized protection plus optional cash value to create liquidity, legacy, and peace of mind. Compare term, whole life, and IUL side-by-side.

The Freedom Plan

A simple, customizable strategy combining life insurance, retirement optimization, and mortgage protection — built to protect today and grow tomorrow.

The Freedom Plan

A simple, customizable strategy combining life insurance, retirement optimization, and mortgage protection — built to protect today and grow tomorrow.

401(k) & Retirement Optimization

Capture every company match, cut hidden fees, and automate growth. We turn your 401(k) into a true wealth machine.

401(k) & Retirement Optimization

Capture every company match, cut hidden fees, and automate growth. We turn your 401(k) into a true wealth machine.

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401 (k) & Retirement Optimization

Partnered with Ethos, Ameritas, AugustaPro, and North American to give you the best solutions on the market."

CGJ Financial · Insurance, Retirement, Mortgage Protection

Protect Your Family. Build Your Wealth. Secure your Freedom.

Protect Your Family. Build Your Wealth. Secure Your Freedom.

Learn about us

One simple strategy that ties life insurance, 401(k) optimization, and mortgage protection together — so your money works today and grows for tomorrow.

No sales pressure. Just a clear plan and a side-by-side illustration showing what’s right for you.

Life Insurance Solutions

Right-sized protection plus optional cash value to create liquidity, legacy, and peace of mind. Compare term, whole life, and IUL side-by-side.

Life Insurance Solutions

No jargon. We make insurance and retirement planning simple so you can take action with confidence.

The Freedom Plan

Life insurance, 401(k), and mortgage protection combined into one customizable solution

Discover More

401 (k) & Retirement Optimization

Partnered with Ethos, Ameritas, AugustaPro, and North American to give you the best solutions on the market."

The Freedom Plan: One Strategy for Coverage + Retirement + Protection

Insurance alone isn’t enough. The Freedom Plan combines life insurance, 401(k) optimization, and mortgage protection into one clear path to financial freedom.

The Freedom Plan: One Strategy for Coverage + Retirement + Protection

Insurance alone isn’t enough. The Freedom Plan combines life insurance, 401(k) optimization, and mortgage protection into one clear path to financial freedom.

The Freedom Plan: One Strategy for Coverage + Retirement + Protection

The Freedom Plan:
One Strategy for Coverage + Retirement + Protection

See how it works

Why Choose : CGJ Financial?

We built the Freedom Plan to give your family clear protection and confidence at every stage.

Why Choose : CGJ Financial?

We built the Freedom Plan to give your family clear protection and confidence at every stage.

Why Choose :
CGJ Financial?

We built the Freedom Plan to give families clarity, protection, and confidence for every stage of life.

Schedule FREE Call

The Freedom Plan

A simple, customizable strategy combining life insurance, 401(k), and mortgage protection.

The Freedom Plan

A simple, customizable strategy combining life insurance, 401(k), and mortgage protection.

The Freedom Plan

A simple, customizable strategy combining life insurance, 401(k), and mortgage protection.

Life Insurance Solutions

Coverage tailored to your goals and responsibilities—today and tomorrow.

Life Insurance Solutions

Coverage tailored to your goals and responsibilities—today and tomorrow.

Life Insurance Solutions

Coverage tailored to your goals and responsibilities—today and tomorrow.

401(k) & Retirement Optimization

Grow and safeguard retirement income with strategies that give you clarity and confidence.

401(k) & Retirement Optimization

Grow and safeguard retirement income with strategies that give you clarity and confidence.

401(k) & Retirement Optimization

Grow and safeguard retirement income with strategies that give you clarity and confidence.

Mortgage Protection

Keep your home and plan protected through life’s uncertainties.

Mortgage Protection

Keep your home and plan protected through life’s uncertainties.

Mortgage Protection

Keep your home and plan protected through life’s uncertainties.

About Us

Ready to stop guessing and start protecting?

Book a free plan review. We’ll show one simple Freedom Plan that fits your goals and budget.

Blog / News

Our latest news & blog

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Guide

529 Plan vs. IUL: Which Is the Better College Savings Strategy?

Compare 529 plans vs. Juvenile IULs for college savings. Discover the pros, cons, and why IUL offers more flexibility, protection, and lifelong options.

Graduation photo of parents with child in cap and gown symbolizing college savings and 529 plan vs IUL financial planning strategy."4

Guide

529 Plan vs. IUL: Which Is the Better College Savings Strategy?

Compare 529 plans vs. Juvenile IULs for college savings. Discover the pros, cons, and why IUL offers more flexibility, protection, and lifelong options.

Guide

Why Term Life Insurance Isn’t Enough (And What to Do Instead)

Term life looks affordable—but it’s a ticking time bomb. Learn why term insurance isn’t enough and discover smarter permanent options for lasting protection.

Worried couple reviewing bills at home, symbolizing financial stress and why term life insurance isn’t enough compared to permanent coverage

Guide

Why Term Life Insurance Isn’t Enough (And What to Do Instead)

Term life looks affordable—but it’s a ticking time bomb. Learn why term insurance isn’t enough and discover smarter permanent options for lasting protection.

Business

Recruit, Reward, Retain: Executive Bonus, Deferred Comp & Smart Retirement Plans | CGJ Financial

Compete for top talent with executive bonus, deferred comp, and modern 401(k) design. Learn how to recruit, reward, and retain the people who drive growth.

Business

Recruit, Reward, Retain: Executive Bonus, Deferred Comp & Smart Retirement Plans | CGJ Financial

Compete for top talent with executive bonus, deferred comp, and modern 401(k) design. Learn how to recruit, reward, and retain the people who drive growth.

Guide

529 Plan vs. IUL: Which Is the Better College Savings Strategy?

Compare 529 plans vs. Juvenile IULs for college savings. Discover the pros, cons, and why IUL offers more flexibility, protection, and lifelong options.

Guide

Why Term Life Insurance Isn’t Enough (And What to Do Instead)

Term life looks affordable—but it’s a ticking time bomb. Learn why term insurance isn’t enough and discover smarter permanent options for lasting protection.

View All