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TrueGuard Financial · Coral Springs, FL

Protection. Planning. Precision.

I work with working families, self-employed professionals, and business owners who are tired of feeling exposed and want someone in their corner who actually knows what they are doing.

No confusing jargon. No product push. Just honest advice and a plan that fits your real life.

IRS Authorized
e-file Provider
Licensed to sell life and health insurance products in:
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TrueGuard Financial griffin logo with TF shield - life insurance, health insurance and tax advisory
15+
Years in Financial Services
3
Core Service Lines
100%
Independent Advisory
19
States Licensed
About Ortis M. Pyronneau, MBA, MS

Built from
Lived Experience

"I understand what it feels like to carry the weight of everything, running a business, supporting a family, and still feeling uncertain about financial exposure."

Behind the surface, many professionals face unclear tax planning, gaps in insurance coverage, and rising healthcare costs that quietly erode stability. That is where I come in.

My background spans banking at JPMorgan Chase, insurance and annuities at Allstate and Merrill Lynch, independent tax advisory, and AI-driven financial workflows. I bring cross-domain depth, not a single-product agenda.

TrueGuard Financial Consultants operates as a DBA of LIHD Insurance. I work virtually and in person across South Florida.

Ortis M. Pyronneau, MBA, MS
Founder · TrueGuard Financial · Coral Springs, FL
Ortis M. Pyronneau MBA MS - Founder of TrueGuard Financial, independent life insurance and tax advisor in Coral Springs Florida
15+
Years of Experience
What I Help You Handle

Three Service Lines.
One Trusted Advisor.

Life insurance, health coverage, and tax strategy, handled by one person who understands how they connect.

🛡️01
Life Insurance
Protect your family's income and your business interests with coverage structured around your actual risk, not a generic product.
  • Term life for income replacement
  • Indexed Universal Life (IUL)
  • Key person and buy-sell coverage
  • Estate liquidity and probate planning
  • Final expense coverage
🩺02
Health Insurance
ACA marketplace plans, Medicare Advantage, and private coverage guidance, built around your household, your doctors, and your budget.
  • ACA marketplace enrollment and APTC
  • Medicare Advantage (MAPD) planning
  • Medicare Part D prescription coverage
  • Coverage through life transitions
  • SEP event guidance
📊03
Tax Strategy & Preparation
Reduce tax exposure with structured planning and accurate filing for individuals, families, and business owners. Plan ahead, file clean, keep more.
  • Individual and business tax preparation
  • Self-employed and S-Corp planning
  • Retirement vehicle optimization
  • Capital gains and loss strategy
  • IRS correspondence and resolution
Why TrueGuard

One Advisor.
The Full Picture.

🎯
I See the Whole Board
Most advisors only see their lane. I connect your insurance, taxes, and protection so nothing falls through the cracks.
🔒
No Hidden Agenda
I am not tied to any carrier or quota. What I recommend is what actually fits your situation, full stop.
📋
Diagnosis Before Prescription
I find out what is actually going on before I suggest anything. You will never get a product pitch before I understand your picture.
🤝
You Get Me, Not a Rep
When you call, I answer. When you have a question, I respond. No call centers, no handoffs, no runaround.
"Most people are not underinsured because they do not care. They are underinsured because nobody ever sat down and showed them the full picture."
  • ✓
    15+ years of real experience across banking, insurance, and taxes, not a training program
  • ✓
    I have sat where you are sitting. I know what the uncertainty feels like.
  • ✓
    One person who knows your full situation, not three vendors who have never spoken to each other
  • ✓
    Plain language. No jargon. No pressure. You will always know exactly where you stand.
  • ✓
    Available virtually or in person across South Florida, on your schedule
  • ✓
    Working families, self-employed professionals, and business owners all work with me
How It Works

Simple. Structured.
No Surprises.

01
We Talk
A free 20-minute call. No pitch, no pressure. I just want to understand what is going on and where you feel exposed.
02
I Find the Gaps
Before I suggest anything, I look at the full picture. Most people have at least one blind spot they did not know was there.
03
You Get a Real Plan
Plain language. Here is what I found, here is what I recommend, here is why. You decide what to move on. Zero pressure.
04
I Handle Everything
Once you decide what you want to do, I take care of the paperwork, applications, and follow-up. You just show up for the important moments.
Client Experiences

Real Clients.
Real Outcomes.

"
★★★★★

TrueGuard Financial made the entire process of securing life insurance and preparing my taxes seamless. Their professionalism and attention to detail gave me peace of mind knowing my family's future is protected and my taxes are handled accurately.

Richard-Lee D.
Life Insurance & Tax Preparation
"
★★★★★

Ortis not only helped me secure life insurance and expertly manage my taxes but also provided invaluable business consulting advice. His insights helped me streamline my business operations and plan for the future. I'm so grateful for his support.

Madeline P.
Life Insurance, Tax & Business Advisory
"
★★★★★

Navigating health insurance options was overwhelming, but Ortis guided me every step of the way, ensuring I chose the best plan for my needs. Pairing this with his expert tax preparation saved me both time and money. He is my go-to for financial services.

Samensky A.
Health Insurance & Tax Preparation

Stop leaving your family, your business,
and your money unprotected.

One free call. I will tell you exactly where you stand and what I think you should do. No sales pitch, no obligation. If it does not make sense for you I will tell you that too.

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

Protection That Works
While You Do.

Life insurance is not a product. It is a structure. The right coverage replaces income, protects your business, funds your estate plan, and keeps your family's life intact when yours ends. The wrong coverage does none of those things.

Coverage Options

What We Can
Structure for You

Every coverage recommendation starts with a needs analysis, income replacement, debt obligations, business continuity, and estate liquidity, before any product is discussed.

Term Life Insurance
Affordable income replacement for a defined period. Ideal for professionals with dependents, mortgage obligations, or business partners. We size the benefit to your actual income and obligations.
Indexed Universal Life (IUL)
Permanent coverage with a cash value component tied to a market index, with a floor. Useful for high-income earners who have maxed retirement accounts and need a tax-advantaged accumulation vehicle.
Key Person Insurance
Protects your business against the financial loss of a critical employee or partner. Proceeds can fund buyout agreements, replace lost revenue, or cover transition costs.
Buy-Sell Agreement Funding
A life insurance policy structured to fund a business succession plan. When a partner dies, the surviving partner uses the proceeds to buy out the estate, at a pre-agreed price, without liquidating the business.
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 your family liquidity within days of your death.
Final Expense Coverage
Smaller face-value policies designed to cover burial costs, final medical bills, and outstanding obligations. Keeps a difficult time from becoming a financial crisis for your family.
Health Insurance

Coverage That Fits
Your Life, Not a Template.

ACA marketplace plans, Medicare Advantage, and private coverage options, evaluated against your doctors, your prescriptions, your household size, and your income. No generic recommendation.

Health Coverage Lines

What We Evaluate
for You

Health insurance 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.

ACA Marketplace Plans
Florida marketplace plans across Ambetter, Molina, Florida Blue, and Oscar. We identify your APTC eligibility, match you to the right metal tier, and verify your doctors and prescriptions are in-network before enrollment.
Medicare Advantage (MAPD)
Medicare Advantage plans bundle Part A, Part B, and usually Part D into one plan. We compare carriers, review star ratings, and match you to a plan built around your specific health conditions and prescriptions.
Medicare Part D
Standalone prescription drug coverage evaluated against your current medication list. We identify the plan with the lowest total cost, premium plus your specific drug copays, not just the lowest premium.
Special Enrollment Periods
Job loss, marriage, divorce, birth, or a move can all trigger a Special Enrollment Period. We act quickly to get you covered without gaps, and we identify the correct qualifying event documentation.
Coverage Through Life Transitions
Turning 65, leaving an employer, becoming self-employed, or losing a spouse's coverage, each transition has deadlines and consequences. We map the timeline and keep you from triggering late enrollment penalties.
Premium Tax Credit (APTC) Analysis
Many people leave ACA subsidies on the table because they do not understand the income thresholds. We model your household income and identify the correct APTC before you enroll, so you do not face a repayment at tax time.
Tax Strategy & Preparation

Pay What You Owe.
Not a Dollar More.

Accurate filing is the floor, not the ceiling. The goal is a forward-looking tax structure that reduces your effective rate year over year, through entity decisions, retirement contributions, and timing strategies, not shortcuts.

Tax Services

What We Handle
for You

Tax preparation and tax planning are two different engagements. Preparation is backward-looking, it files what happened. Planning is forward-looking, it changes what happens next year. We do both.

Individual Tax Preparation
Form 1040 and all supporting schedules, W-2 income, self-employment, investment income, rental income, retirement distributions, and itemized deductions. Filed accurately, filed on time.
Self-Employed & S-Corp Tax Planning
Reasonable compensation analysis, QBI deduction optimization, estimated quarterly tax planning, and Schedule C vs. S-Corp structuring for tax efficiency at your income level.
Retirement Vehicle Optimization
Roth conversions, backdoor Roth IRA strategy, SEP-IRA contributions for the self-employed, and coordination of traditional vs. Roth contribution decisions based on your current and projected tax bracket.
Capital Gains & Loss Strategy
Tax loss harvesting, carryforward optimization, short-term vs. long-term holding period planning, and coordination between investment income and your ordinary income tax picture.
IRS Correspondence & Resolution
Missed RMD penalty abatement, CP2000 response, amended return preparation (Form 1040-X), and representation for notices requiring a response. We handle the IRS so you do not have to.
2025 Law Changes (OBBBA)
Planning around the One Big Beautiful Budget Act, overtime deduction caps, CTC updates, ACTC changes, and EITC age range adjustments. We file based on current law, not outdated guidance.
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.