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TrueGuard Financial Consultants · Coral Springs, FL

Built for Anyone Who Has
Something Worth Protecting.

A strategy, not a policy.

Most people buy life insurance the wrong way. They pick a number, sign a form, and move on. Nobody analyzes the income replacement gap, the business continuity risk, the estate liquidity problem, or how the policy interacts with their tax picture. That is what we do.

Licensed to Serve Clients In
CADCFL ILKYMD MAMIMT NCNENJ NMNYOH OKPATX WV
Section 162 Executive Bonus♦ IUL Accumulation♦ Premium Financing♦ Key Person Coverage♦ Buy-Sell Funding♦ Group Benefits♦ Medicare Advisory♦ Tax Advisory♦ Section 162 Executive Bonus♦ IUL Accumulation♦ Premium Financing♦ Key Person Coverage♦ Buy-Sell Funding♦ Group Benefits♦ Medicare Advisory♦ Tax Advisory♦
Ortis M. Pyronneau, TrueGuard Financial Consultants Coral Springs FL
15+
Years
About Ortis M. Pyronneau, MBA, MS

Most People Do Not Have
a Financial Problem.
They Have a Clarity Problem.

"The clients who felt most exposed were rarely the ones with the least money. They were the ones nobody had ever slowed down and actually explained things to."

I spent over 15 years working at every level of financial services. Personal banker. Licensed relationship banker serving small business owners. Financial advisor handling insurance, annuities, and investment products. Tax advisor helping individuals and small businesses treat taxes as an ongoing part of their financial life, not just once a year.

That is the gap I built TrueGuard Financial Consultants to fill. I am not tied to any institution. I do not have a quota. I do not lead with a product. I start with your situation. Your income, your family, your business, your tax picture. Then I tell you what I actually see.

Ortis M. Pyronneau, MBA, MS
Founder · TrueGuard Financial Consultants · Coral Springs, FL
FL Life & Health License (2-15) · IRS PTIN & EFIN Active · 19 States Licensed
What We Do

Life Insurance Is the Anchor.
Everything Else Serves the Plan.

Three service lines. One strategic frame. Life insurance is where we start. Tax advisory makes the strategy defensible. Health coverage closes the gaps your other plans leave open.

01
Life Insurance Strategy
For business owners who need a plan that survives them and high earners who need a tax-advantaged accumulation vehicle.
  • Section 162 Executive Bonus
  • IUL for accumulation
  • Premium financing
  • Key person and buy-sell funding
  • Term, whole life, final expense
  • Group life and group health
02
Health Coverage
ACA, private insurance, Medicare, and ancillary coverage for clients at every stage of life and every income level.
  • ACA marketplace enrollment
  • Private health insurance
  • Medicare Advantage (MAPD)
  • Original Medicare with supplement
  • Part D and ancillary coverage
  • Long-term care and disability
03
Tax Advisory
Individuals keep more of what they earn. Business owners reduce burden through executive compensation strategy and group plans. High earners access vehicles most advisors never surface.
  • Individual tax advisory
  • Business entity strategy
  • Retirement vehicle optimization
  • Capital gains planning
  • IRS correspondence and resolution
  • 2025 OBBBA planning
Why TrueGuard

One Advisor.
The Full Picture.

🎯
Cross-Domain Depth
Insurance strategy, business management, and tax advisory under one advisor who understands how they interact. Most advisors only see their lane. The gaps live between the lanes.
🔒
No Hidden Agenda
Not tied to any carrier. No quota. No product push. What gets recommended is what actually fits your situation. The analysis comes first.
📋
Diagnosis Before Prescription
Every engagement starts with your full picture before anything is suggested. Income, family, business, tax exposure. No product pitch before the diagnosis is complete.
🤝
You Get Me, Not a Rep
When you call, I answer. When you have a question, I respond. No call centers, no handoffs, no junior associates. Direct access to the advisor who knows your full situation.
Now Available on Amazon
Money Smart Families
A Financial Road Map from
Piggy Banks to Paychecks
Ortis M. Pyronneau, MBA, MS
Editio Prima · 2025
The Book

Money Smart
Families

After 15 years of working with families at every income level, the same pattern kept surfacing. People were not struggling because they lacked discipline or ambition. They were struggling because nobody had ever given them a clear picture of how money actually works across a household. Not the insurance side. Not the tax side. Not what happens when life does not go as planned.

This book was written to change that. It is the conversation every family should have before they need an advisor.

Get the Book on Amazon →
How It Works

Simple. Focused.
No Runaround.

01
You Tell Us Your Situation
Use the form or call directly. Five minutes of information prevents an hour of back and forth.
02
We Find the Gaps
Before anything is recommended, we map your full picture. Most clients have at least one exposure they did not know existed.
03
You Get a Real Plan
Plain language. Here is what was found, here is what is recommended, here is why. You decide what to act on. Zero pressure.
Client Experiences

Real Clients.
Real Results.

“
★★★★★

Ortis explained the IUL in a way nobody had before. I finally understood why my CPA and my insurance agent were giving me different answers. Having one person who sees both sides changed everything.

Marcus T.
Business Owner · Fort Lauderdale
“
★★★★★

I thought I had everything covered. Turned out my key person policy was sized wrong and my buy-sell had no funding mechanism. Ortis caught both in the first meeting.

Sandra L.
LLC Owner · Coral Springs
“
★★★★★

The Section 162 bonus structure he put together for my S-Corp gave me a deduction I did not know existed and a policy I actually wanted. The tax savings alone covered the first year of premiums.

Pierre M.
S-Corp Owner · Miramar

Stop leaving your protection
and your money unstructured.

One call. No pitch. We tell you exactly where you stand and what we think you should do.

Or call: (954) 459-6510
Email: ortis@tguardfinancial.com
Life Insurance Strategy

Life Insurance Is Not a Product.
It Is a Financial Architecture Decision.

The right policy, structured correctly, is a tax-advantaged accumulation vehicle, a business succession tool, an estate liquidity solution, and an income replacement guarantee. The wrong one is an expensive contract that underperforms every expectation. The difference is the analysis that happens before any application is submitted.

For Business Owners

Your Business Needs a Plan
That Survives You.

If your business depends on you or a key person, it has an unquantified liability on its balance sheet right now. The Section 162 Executive Bonus addresses succession, retention, and tax efficiency simultaneously. The business pays a bonus to selected individuals, deducts it as compensation, and the selected person owns a permanent policy in their own name. A double bonus structure grosses up the income tax so the employee nets zero out of pocket.

Business Strategy
Section 162 Executive Bonus
The business deducts the bonus as a compensation expense. The selected employee owns the policy and names their own beneficiary. No qualified plan. No ERISA obligations. No requirement to cover all employees. The deduction is immediate. The asset belongs to the individual.
Succession Planning
Key Person Insurance
Protects the business against the financial loss of a critical employee or owner. Proceeds fund a buyout agreement, replace lost revenue during transition, or cover recruitment and training costs. The business owns and controls the policy.
Buy-Sell Funding
Business Continuation Coverage
A life insurance policy structured to fund a buy-sell agreement. When a partner dies, the surviving partner uses the proceeds to purchase the estate's interest at a pre-agreed price without liquidating the business or taking on debt.
Employee Benefits
Group Life and Group Health
Employer-sponsored coverage for business owner clients. Group life and group health are natural additions after the owner's personal coverage is structured. You are already in the compensation conversation. Benefits extend it.
For High Earners

Your 401k Has a Ceiling.
This Does Not.

At a 32, 35, or 37 percent marginal rate, every additional dollar in a taxable account costs nearly a third before it compounds. An Indexed Universal Life policy funded at the right premium level gives you tax-deferred accumulation with no contribution limit, no required minimum distribution, and tax-free access at retirement through policy loans. For a high earner in accumulation mode, the death benefit is real but it is the secondary feature.

Accumulation Vehicle
Indexed Universal Life (IUL)
Permanent coverage with a cash value component tied to a market index with a downside floor. No loss when the index drops. Growth is credited when it rises. Tax-deferred accumulation, tax-free access through policy loans, and no contribution limits. Most IUL policies today include living benefit riders that accelerate the death benefit upon diagnosis of a chronic, critical, or terminal illness. The policy works while the insured is alive, not just at death.
Capital Efficiency
Premium Financing
For high net worth clients who need large face amounts without tying up capital in premiums. A third-party lender funds the premiums. The policy cash value serves as collateral. The client keeps liquidity and deployes capital elsewhere. Requires careful qualification and structuring. Not for every client.
Guaranteed Coverage
Whole Life with Living Benefits
Guaranteed permanent coverage, fixed premium, and guaranteed cash value growth with no market exposure. Living benefit riders attached to whole life policies allow the insured to access a portion of the death benefit while living if a qualifying chronic, critical, or terminal illness is diagnosed. The policy serves as both a death benefit and a financial safety net during a health crisis.
Entry Point
Term with Conversion
Affordable coverage for a defined period with a guaranteed conversion option to permanent coverage. No new underwriting required at conversion. Solves the affordability problem now while preserving the option to keep the policy for life. The right starting point for younger clients and those who need large face amounts at low initial cost.
Additional Coverage

Every Situation
Has a Solution.

Estate Planning
Estate Liquidity Coverage
High net worth estates can take months to settle through probate. A properly structured life policy pays outside of probate, tax-free, giving the family liquidity within days. Prevents forced asset sales at the wrong time.
Final Expense
Final Expense Insurance
Smaller face value policies covering burial costs, final medical bills, and outstanding obligations. Simplified underwriting with no medical exam in most cases. Available to those who may not qualify for traditional coverage due to age or health.
Return of Premium
Return of Premium Rider
For those who qualify. If you outlive the term, every dollar paid in premiums is returned. You either receive the death benefit or you get your money back. Eliminates the objection that term is money spent on something you may never use.
Home Protection
Mortgage Protection Insurance
Designed to pay off the remaining mortgage balance at death. Targeted protection for homeowners who want coverage for one specific obligation without a full life insurance analysis.
Health Coverage

The Right Coverage
for Your Stage of Life.

Health coverage decisions are not just about premium. They are about network, deductible, out-of-pocket maximum, and how the plan interacts with your tax situation. We look at all of it.

Under 65

Private Insurance
for Individuals and Families

Two paths depending on income and health profile. Both require analysis before enrollment.

Income-Based Subsidy
ACA Marketplace Plans
For those who qualify for a premium tax credit. Florida marketplace plans across Ambetter, Molina, Florida Blue, and Oscar. We identify APTC eligibility, match the right metal tier, verify doctors and prescriptions are in-network, and model income to prevent a repayment at tax time.
Higher Income or Self-Employed
Private Health Insurance
For individuals who do not qualify for ACA subsidies. Purchased directly from carriers, many requiring medical underwriting. We compare options, review network depth, and match coverage to your health profile and budget. Often a better fit for stable health and higher income.
Medicare

Two Routes.
We Help You Choose.

When you turn 65 you have a decision to make. Medicare Advantage or Original Medicare. Each path has tradeoffs. We walk through both before you choose so you are not locked into the wrong one.

All-in-One Plan
Medicare Advantage (MAPD)
Bundles Part A, Part B, and usually Part D into one plan. Lower or zero monthly premium in many cases but you are working within a network. We compare carriers, review star ratings, and match you to a plan built around your specific conditions, prescriptions, and preferred providers.
Maximum Flexibility
Original Medicare (Part A and Part B)
Traditional government coverage with no network restrictions. You choose your own doctors. Works best paired with a Part D drug plan and a supplement to cover the 20% gap. Best for those with specialists, frequent travelers, or those who want predictable out-of-pocket costs.
Drug Coverage
Part D (Prescription Drug Coverage)
Standalone drug coverage for those on Original Medicare. We evaluate your current medication list and find the plan with the lowest total cost, which means premium plus your specific drug copays, not just the lowest headline premium.
Gap Coverage
Medicare Supplement (Medigap)
Covers the 20% gap Original Medicare leaves on outpatient costs. For those who want predictable costs and maximum flexibility. No networks, no referrals, no surprises on the bill. Pairs with Original Medicare and Part D to create comprehensive coverage.
Dental, Vision, Hearing
Ancillary Coverage
Not covered under Original Medicare and often limited under MAPD. Ancillary plans fill that gap directly. Available as standalone or bundled. A dental issue that goes untreated because of cost becomes a significantly more expensive problem later.
Protection Planning

Long-Term Care
and Disability

Traditional LTC
Long-Term Care Insurance
Nursing home care, assisted living, and in-home care are not covered by Medicare beyond a limited window. The average cost of a private nursing home room in Florida exceeds $100,000 per year. A standalone LTC policy provides the largest benefit pool for the premium paid and is best suited for clients who qualify medically and want dedicated coverage.
Hybrid Solution
Asset-Based LTC (Life Chassis)
A permanent life policy with a long-term care or chronic illness rider attached. The client funds the policy with a lump sum or limited pay premiums. If long-term care is needed, the policy leverages the deposit into a significantly larger LTC benefit pool. If care is never needed, the full death benefit passes to heirs. Nothing is lost. This works well for clients repositioning low-yield liquid assets such as CDs or money market accounts into a more productive vehicle.
Income Protection
Disability Insurance
Your ability to earn income is your most valuable asset. Disability insurance replaces a portion of that income if you cannot work due to illness or injury. Especially important for self-employed professionals and business owners who have no employer plan as a fallback.
Tax Advisory

Tax Advisory Is Part
of the Strategy.

The goal is straightforward. Individuals keep more of what they earn. Business owners reduce their tax burden through deliberate structure and executive compensation strategy. High earners access tax-advantaged vehicles that most advisors never surface. Tax advisory at TrueGuard connects directly to the insurance and planning work, making every strategy defensible and every position optimized.

Section 01

Individual Tax
Advisory

The objective for every individual client is to keep more of what they earn. That means identifying the right deductions, coordinating investment and insurance vehicles that reduce taxable income, and positioning the tax picture so the IRS collects what is required and nothing more.

Income Strategy
Income Analysis and Planning
W-2 income, self-employment income, rental income, and investment income each carry different tax treatment. We map your full income picture and identify where the planning opportunities are before they close.
Deduction Optimization
Deduction Strategy
Standard versus itemized analysis, home office, vehicle use, and business expense coordination. Most individuals leave deductions behind not because they do not qualify but because nobody reviewed their situation thoroughly enough.
Investment Coordination
Investment and Retirement Income
Capital gains holding period planning, cryptocurrency treatment, retirement distribution strategy, and Roth conversion analysis. Your investment decisions and your tax bill are not separate conversations. We treat them as one.
Ongoing Advisory
Year-Round Tax Positioning
Tax advisory is not a once a year event. Life insurance premiums, retirement contributions, and business deductions all have timing implications. We coordinate the tax picture with the insurance and planning work throughout the year so every vehicle is being used to its full advantage before the window closes.
Section 02

Business Tax
Advisory

Primary focus is single member LLCs, S-Corporations, and partnerships. The objective is to reduce the business tax burden through deliberate structure, executive compensation strategy including the Section 162 bonus, group plan implementation, and retirement vehicle optimization. What the business deducts, the owner keeps.

C Corporation
Entity Structure Advisory
Analysis of whether your current structure, sole proprietor, single member LLC, S-Corp, or partnership, is the right fit for your income level and business stage. Most small business owners are in the wrong structure and paying more than they should as a result.
S Corporation
S Corporation Tax Advisory
Reasonable compensation analysis, distribution strategy, and K-1 coordination for all shareholders. Getting the split between salary and distributions wrong is one of the most expensive mistakes S-Corp owners make. We also coordinate the Section 162 executive bonus structure so the life insurance premium becomes a deductible business expense without triggering unintended compensation issues.
Partnership
Partnership Tax Advisory
Allocation strategy, basis tracking, and coordination of each partner's full tax picture. Partnership income flows through to individuals. We make sure the structure is working in everyone's favor, not just on paper.
Compensation Strategy
Compensation and Benefits Strategy
Worker classification, quarterly estimated payments, and compensation structure coordination. Group life and group health plans introduced at the business level are deductible to the employer and non-taxable to the employee up to IRS limits. The right benefits structure reduces payroll tax exposure for the business and increases the effective compensation of key employees without raising taxable wages.
Section 03

Tax Planning
and Strategy

Structure Analysis
Entity Structure Advisory
Sole proprietor, LLC, S-Corp, or C-Corp each carry different tax consequences. We model your actual income and show you what each structure costs in real dollars so the decision is based on math, not assumptions.
Retirement Planning
Retirement Vehicle Optimization
SEP-IRA, Solo 401k, backdoor Roth, and traditional versus Roth contribution decisions coordinated with the insurance strategy. For high earners who have maxed qualified plan space, a properly structured IUL provides tax-deferred accumulation and tax-free distribution with no contribution limits. The retirement picture requires both tools working together.
Business Deduction
QBI and Executive Compensation
The Qualified Business Income deduction can eliminate up to 20% of business income from tax if structured correctly. Reasonable compensation for S-Corp owners determines how much is subject to self-employment tax. The Section 162 executive bonus reduces the W-2 compensation line through a deductible bonus, keeping the reasonable compensation analysis defensible while funding a permanent life policy.
Current Law
2025 OBBBA Advisory
The One Big Beautiful Act (Public Law 119-21) introduced changes effective tax year 2025. CTC at $2,200 per qualifying child, ACTC cap at $1,700, overtime deduction capped at $12,500 ($25,000 MFJ) sunsetting 2028, and EITC childless filer age range adjusted to 25 to 65. We advise on current law, not outdated guidance.
Section 04

IRS Correspondence
and Resolution

When the IRS sends a notice, most people panic and do nothing. We review it, respond with documentation, and resolve it. Scope covers notices and correspondence. Complex audits and full representation are referred to enrolled agents or tax attorneys.

Notice Response
CP2000 Underreporter Notices
The IRS matches your return to third-party reporting. When something does not match you get a CP2000. We review what triggered it, determine whether you actually owe, and respond with documentation to resolve it at the lowest possible liability.
Amended Returns
Prior Year Corrections
If a prior year return was filed incorrectly or missed a deduction, we evaluate whether amending is in your best interest and prepare the amended return accordingly. Not every missed deduction justifies the cost of amending.
Start Here

What Are You
Protecting?

Most people get sold a product before anyone asks what they actually need. This takes 3 minutes. Your answers shape the conversation, so when we speak, we already have something concrete.

What Your Situation Connect
Step 1 of 3

Which of these feels closest
to your situation?

Pick the one that concerns you most. There is no wrong answer, this shapes the conversation, not the product.

✓
🏠
If something happens to me, my family loses everything
The mortgage, the bills, the kids' future. It all runs through me and there is no backup plan.
✓
🩺
One hospital bill could erase years of hard work
I either have no coverage, the wrong coverage, or I am paying too much for too little.
✓
🏢
My business would fall apart if I was gone tomorrow
No succession plan, no partner agreement, no safety net. The business dies with me.
✓
⚖️
I worked too hard to let taxes and courts take it when I'm gone
My family could wait months for access to money they need now while the estate gets sorted out.
✓
🕰️
A health crisis in my later years could drain everything I saved
Nursing homes, assisted living, and in-home care cost more than most people expect and Medicare does not cover it.
✓
📊
I feel like I work hard and still write a big check to the IRS every year
I know there are legal ways to keep more of what I earn. I just do not know what they are or who to trust.
Step 2 of 3

Step 3 of 3

Let's Talk

Your information is never sold or shared. This starts a conversation, nothing more.
TrueGuard Financial · Lodestar Consulting Group, LLC · Coral Springs, FL
🏠

Your family's security
deserves a real plan.

Most families are one income event away from a crisis. You just took the first step to make sure yours is not one of them.

What Happens Next

1
We calculate your income replacement gap. What your family actually needs versus what they would have without you.
2
We match the right coverage type. Term, IUL, or a combination, based on your budget and timeline, not a commission structure.
3
You receive a clear recommendation. No pressure. No product push. You decide what fits.
Expect a call or email from Ortis Pyronneau within one business day.
ortis@tguardfinancial.com · (954) 459-6510
Insurance products are offered through licensed carriers. TrueGuard Financial operates under Lodestar Consulting Group, LLC. FL Life & Health License (2-15) active. This inquiry does not constitute a coverage offer or binding agreement.
🩺

Coverage gaps are
fixable. Let's find yours.

A medical event without the right plan is a financial event. We will find what fits your household, your income, and your situation right now.

What Happens Next

1
We assess your current coverage and gaps. ACA, Medicare, employer plan, or uninsured, we start where you are.
2
We identify subsidy eligibility. Many people leave significant ACA premium tax credits on the table. We find out if you qualify before you enroll.
3
We place you in the right plan. Carrier, network, cost structure, matched to your doctors and prescriptions.
Expect a call or email from Ortis Pyronneau within one business day.
ortis@tguardfinancial.com · (954) 459-6510
Health insurance products are offered through licensed carriers including Florida Blue, Ambetter, Molina, and Oscar. TrueGuard Financial operates under Lodestar Consulting Group, LLC. FL Life & Health License (2-15) active.
🏢

Your business needs a plan
that survives you.

Most business owners protect their clients, their inventory, and their equipment. Very few protect the business itself against the loss of the person running it.

What Happens Next

1
We audit your business continuity exposure. Key person gaps, buy-sell agreement funding, disability coverage, entity structure.
2
We identify the right instruments. Life insurance inside a business structure can serve multiple purposes, income replacement, buyout funding, and tax-advantaged accumulation simultaneously.
3
We coordinate with your attorney or CPA if needed. Business continuity is a cross-discipline conversation and we treat it that way.
Expect a call or email from Ortis Pyronneau within one business day.
ortis@tguardfinancial.com · (954) 459-6510
Insurance products are offered through licensed carriers. TrueGuard Financial operates under Lodestar Consulting Group, LLC. FL Life & Health License (2-15) active. Business planning recommendations do not constitute legal or investment advice.
⚖️

Probate takes time.
Your family needs liquidity now.

High-net-worth estates can tie up assets for months. A properly structured life insurance policy passes outside of probate, tax-free, within days of death, not years.

What Happens Next

1
We map your estate liquidity gap. How much cash does your family need in the first 90 days while the estate settles?
2
We structure the right coverage vehicle. IUL, whole life, or survivorship policies each serve different estate scenarios, we identify which applies to your situation.
3
We coordinate ownership and beneficiary structure. How a policy is owned matters as much as the coverage amount. We get this right from the start.
Expect a call or email from Ortis Pyronneau within one business day.
ortis@tguardfinancial.com · (954) 459-6510
Insurance products are offered through licensed carriers. TrueGuard Financial operates under Lodestar Consulting Group, LLC. FL Life & Health License (2-15) active. Estate planning recommendations do not constitute legal advice. Consult a licensed estate attorney.
🕰️

Long-term care is the risk
most people plan around instead of for.

The average cost of assisted living in Florida exceeds $4,000 per month. Without a plan, that cost comes directly out of assets you spent a lifetime building.

What Happens Next

1
We assess your current exposure. Age, health, assets, and family caregiving capacity all factor into the right strategy.
2
We review hybrid versus standalone LTC options. Asset-based hybrid policies have changed the math significantly for many clients, the earlier this is addressed, the more options are available.
3
You get a clear picture, not a sales pitch. You will understand the tradeoffs before you make any decision.
Expect a call or email from Ortis Pyronneau within one business day.
ortis@tguardfinancial.com · (954) 459-6510
Long-term care insurance products are subject to carrier approval and underwriting. TrueGuard Financial operates under Lodestar Consulting Group, LLC. FL Life & Health License (2-15) active.
📊

Overpaying taxes is a choice.
Not always yours.

The tax code has more legal reduction strategies than most people ever use. We identify which ones apply to your specific income, entity structure, and household, and build a plan that compounds over time.

What Happens Next

1
We review your current tax situation. W-2, self-employment, investments, retirement contributions, entity structure, the full picture.
2
We identify legal reduction strategies. Entity structure, retirement vehicles, deductions you may be missing, and 2025 OBBBA changes that affect your filing.
3
We build a forward-looking tax plan. Not just this year's return. A strategy that reduces your effective rate year over year.
Expect a call or email from Ortis Pyronneau within one business day.
ortis@tguardfinancial.com · (954) 459-6510
Tax services provided by Ortis M. Pyronneau (IRS PTIN active, EFIN active). TrueGuard Financial operates under Lodestar Consulting Group, LLC. Tax advice is specific to your situation and does not constitute legal counsel.