Anil Khanchandani, CLTC® | Retirement & Protection Strategist
Defensive Financial Planning for Families, Retirees & Business Owners.
Helping families prepare for retirement, healthcare costs, extended care, income protection and legacy decisions through education-first planning.
The decisions people make around retirement, healthcare, family protection, and long-term security carry lasting consequences. My focus is defensive financial planning — helping clients understand their options through education and long-term planning conversations centered on protection, stability, and clarity.
As an independent professional, I'm not tied to one company or one product. That lets me evaluate a range of options and coordinate strategies across life insurance, retirement planning, Social Security, Medicare, long-term care, estate planning, and business protection — bringing them into one personalized plan so nothing falls through the gaps.
Clients value working alongside their trusted CPAs, attorneys, and advisory teams to keep planning organized and aligned with long-term goals — protecting what they've built, preparing for the unexpected, and supporting the legacy they hope to create.
What Is Defensive Financial Planning?
Defensive financial planning means protecting what matters most before life forces you to react.
For US Life Solution, this means education-first planning around income protection, retirement income, Medicare, life insurance, mortgage protection, long-term care, estate liquidity, rollover education, health insurance, and business protection strategies where properly licensed and appointed.
Instead of starting with products, the conversation starts with your situation: your family, income, home, retirement goals, healthcare needs, business responsibilities, and legacy concerns.
Defensive planning may help you:
Protect income and family stability
Review Medicare and health coverage decisions clearly
Prepare for retirement income and longevity risk
Protect the family home through mortgage protection planning
Plan for long-term care and estate liquidity needs
Help business owners protect continuity, partners, key employees, and legacy
Protect what you've built.
Anil Khanchandani, CLTC® helps individuals, families, and business owners across 24 states create a coordinated strategy spanning life insurance, Medicare, retirement planning, and long-term care — so nothing falls through the gaps.
- 20+ nationally rated carriers
- Independent — not tied to any one company
- Holds life and health insurance licenses in multiple states, including CA, CO, CT, DE, FL, GA, HI, IL, KY, LA, MD, MA, MI, NV, NJ, NY, NC, OH, PA, SC, TN, TX, VA, and WA.
- Free strategy review, no obligation
What I help with
- Life insurance & income protection
- Retirement planning & 401(k) rollovers
- Social Security claiming strategies
- Medicare Advantage & Medicare Supplement (Medigap)
- Long-Term Care & Extended Care Planning
- Business owner solutions
- Estate funding & legacy planning
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