312 Financial Group is an independent insurance planning firm founded by Ryan Siepka, who brings more than 18 years of experience in the financial services industry.

We specialize in personalized long-term care strategies, life insurance, disability income protection, retirement income strategies, and insurance solutions for estate planning needs. We work with individuals, families, professionals, and business owners who want to protect the assets they have accumulated, prepare for risks that could affect their financial future, and make thoughtful decisions about how insurance and retirement income strategies fit into their broader financial plan.

Our approach begins by understanding each client’s financial situation, family circumstances, retirement goals, and long-term priorities. From there, we evaluate strategies designed to address concerns such as long-term care expenses, income protection, estate liquidity, longevity risk, and the potential impact of market volatility on retirement income.

As an independent firm, we are not limited to any one specific strategy or carrier. This allows us to evaluate solutions from a broad range of solutions and determine which approach, if any, best fits each client’s needs and objectives.