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TrueGuard Financial Consultants · 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.

FL Life & Health License (2-15)
IRS PTIN & EFIN Active
All-Lines Adjuster (6-20)
19 States Licensed
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

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

Most people think about taxes in March. They think about insurance after a health scare. They think about protection after someone they know passes without coverage. By then the most important decisions are already behind them. That is where I come in.

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 plan for taxes as an ongoing part of their financial life, not just once a year. 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.

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. Sometimes that means life insurance. Sometimes it means a Medicare plan you did not know you qualified for. Sometimes it means a tax strategy that changes what April looks like for you.

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
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, I kept seeing the same thing. 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.

I wrote this book to change that. It is the conversation I wish every family had before they needed an advisor.

Get the Book on Amazon →
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

Who Needs Life Insurance
and Why

If someone depends on your income, your life insurance is not optional. It is infrastructure. It is the thing that keeps your family in their home, your business running, and your estate from becoming a burden when you are no longer there to manage it. The question is not whether you need it. The question is what kind, how much, and how it fits into everything else you are building.

Coverage Options

What We Can
Structure for You

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

Term Life Insurance
Fixed premium for a defined period, typically 10, 20, or 30 years. If you die during that term your beneficiaries receive the full death benefit tax-free. Best suited for income replacement, mortgage protection, and covering obligations with a defined timeline. We size the benefit to your actual income, your debts, and what your family would genuinely need.
Indexed Universal Life (IUL)
Permanent coverage with a cash value component tied to a market index such as the S&P 500, with a floor so you cannot lose money when the market drops. Cash value grows tax-deferred and can be accessed tax-free through policy loans. For high-income earners who have maxed retirement accounts and need an additional tax-advantaged accumulation vehicle, an IUL can serve as a death benefit, living benefit, and supplemental retirement income simultaneously.
Whole Life Insurance
Guaranteed permanent coverage with a fixed premium that never changes and a cash value that grows at a guaranteed rate. No market exposure. No surprises. Predictable by design and often used for estate planning, business succession, and as a conservative long-term accumulation vehicle. The premium is higher than term but the guarantees are absolute.
Final Expense Insurance
Smaller face-value policies designed to cover burial costs, final medical bills, and outstanding obligations so your family is not left managing a financial crisis at the worst possible moment. Simplified underwriting with no medical exam required in most cases. Available to individuals who may not qualify for traditional life insurance due to age or health.
Key Person Insurance
Your business is only as stable as the people running it. Key person coverage protects the company against the financial loss of a critical employee or owner. Proceeds can fund a buyout agreement, replace lost revenue during a transition, or cover the cost of recruiting and training a replacement.
Return of Premium
For those who qualify, a return of premium rider guarantees that if you outlive your term policy, every dollar you paid in premiums comes back to you. You either receive the death benefit or you get your money back. It costs more than standard term but eliminates the objection that you are paying for something you may never use.
Premium Financing
For high-net-worth individuals and business owners who need large amounts of permanent life insurance but prefer not to tie up their own capital in premiums. A third-party lender funds the premiums, the policy cash value serves as collateral, and the client keeps their capital working elsewhere. Requires careful structuring and qualification.
Mortgage Protection Insurance
Specifically designed to pay off the remaining mortgage balance if the policyholder dies. Protects the family home directly. Simpler than a full life insurance analysis and often used as a standalone solution for homeowners who want targeted coverage for one specific obligation.
Health Insurance

The Right Coverage
for Your Stage of Life

Health coverage is not one size fits all. Whether you are 35 and self-employed or 67 and navigating Medicare, the right plan depends on your income, your health, and your situation. 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.

Private Insurance

Coverage for Those
Under 65

For individuals, families, and small business owners who need coverage outside of an employer plan. Two paths depending on your income and situation.

ACA Marketplace Plans
For those who qualify for a premium tax credit based on household income. 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. We also model your income to make sure you do not face a repayment at tax time.
Private Health Insurance
For self-employed professionals and higher-income individuals who do not qualify for ACA subsidies. These plans are purchased directly from carriers and many require medical underwriting. We compare options across carriers, review network depth, and match you to coverage that fits your health profile and budget. Often a better fit for those with 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.

Medicare Advantage (MAPD)
Bundles Part A, Part B, and usually Part D into one plan from a private carrier. 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 health conditions, prescriptions, and preferred providers.
Original Medicare (Part A and Part B)
Traditional government coverage. Part A covers hospital stays and Part B covers outpatient care. You choose your own doctors with no network restrictions, which matters if you have specialists or travel frequently. Original Medicare works best when paired with a Part D drug plan and a supplement to cover the 20% gap it leaves behind.
Part D (Prescription Drug Coverage)
Standalone prescription 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. The wrong Part D plan can cost you hundreds more per year than necessary.
Medicare Supplement (Medigap)
Covers the 20% gap Original Medicare leaves behind on outpatient costs as well as deductibles and coinsurance. For those who want predictable costs and maximum flexibility in choosing providers, a supplement paired with Original Medicare gives you the most comprehensive coverage available. No networks, no referrals, no surprises on the bill.
Ancillary Coverage
Dental, vision, and hearing are not covered under Original Medicare and are often limited under Medicare Advantage. Ancillary plans fill that gap directly. Available as standalone policies or bundled coverage depending on your needs. A dental issue that goes untreated because of cost becomes a much more expensive problem later.
Planning for the Unexpected

Long-Term Care
& Disability

Most people plan around these risks instead of for them. One medical event or an inability to work can erase what took years to build. The time to address both is before they become urgent.

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 long-term care policy protects your assets and gives your family options when the time comes. We evaluate traditional LTC policies as well as hybrid life and LTC products.
Disability Insurance
Your ability to earn income is your most valuable asset. If you cannot work due to illness or injury, disability insurance replaces a portion of that income so your household does not collapse while you recover. Especially important for self-employed professionals and business owners who do not have an employer plan to fall back on.
Tax Services

Tax Planning Is a
Year-Round Discipline

Most people think about taxes in March and April. By then the decisions that could have saved them money are already made. Tax planning is not a filing exercise. It is an ongoing part of managing your income, your business, and your wealth. Whether you are a W-2 earner with investments, a self-employed professional, or a business owner running payroll, your tax picture touches every other financial decision you make. We treat it that way.

Section 01

Individual Tax
Preparation

For individuals and families with returns that go beyond a simple W-2. Filed accurately, filed on time, and reviewed against current law before submission.

W-2 and Itemized Returns
Form 1040 with all supporting schedules. Standard and itemized deductions analyzed to confirm you are taking the position that actually benefits you. Multi-state filing where applicable.
Self-Employment Income
Schedule C preparation for freelancers, consultants, and sole proprietors. Deduction optimization, home office, vehicle use, and SE tax calculation. We make sure you are not leaving deductions behind.
Rental Income
Schedule E for residential and commercial rental property. Depreciation schedules, passive activity rules, and coordination with your overall income picture to minimize tax on rental income.
Investment and Crypto Income
1099-B for stock and fund transactions, Form 8949, cryptocurrency income including staking rewards and trading gains, and 1099-R for retirement distributions. We apply the correct holding period treatment and coordinate with your ordinary income bracket.
Section 02

Business Tax
Preparation

For corporations, S-Corps, partnerships, and the compliance obligations that come with running a business with employees or contractors.

Form 1120 (C Corporation)
Corporate tax returns for C-Corp entities. Entity-level tax planning, deduction strategy, and coordination between the corporate return and the shareholder level to minimize overall tax burden.
Form 1120-S (S Corporation)
S-Corp returns with K-1 preparation for all shareholders. Reasonable compensation analysis to confirm your W-2 salary meets IRS standards and your distributions are defensible. One of the most audited areas for small business owners.
Form 1065 (Partnership)
Partnership returns with K-1 preparation for all partners. Allocation schedules, basis tracking, and coordination of each partner's individual return to reflect their share of income, deductions, and credits accurately.
Payroll and Contractor Compliance
W-2 preparation for employees and 1099-NEC for non-employee compensation. Quarterly estimated tax payments for federal and state obligations. Sales tax coordination where applicable. We keep you compliant so you are not facing penalties for late or missing filings.
Section 03

Tax Planning
& Strategy

Forward-looking work that changes what next year looks like. This is where the real savings happen. Preparation files what happened. Planning changes what happens next.

Entity Structure Analysis
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 you in real dollars so the decision is based on math, not assumptions.
Retirement Vehicle Optimization
SEP-IRA, Solo 401k, backdoor Roth, traditional versus Roth contribution decisions based on your current and projected tax bracket. We model the right contribution strategy so you are reducing taxable income now without creating a bigger problem at distribution.
QBI and Reasonable Compensation
The Qualified Business Income deduction can eliminate up to 20% of your business income from tax if structured correctly. Reasonable compensation for S-Corp owners determines how much of your income is subject to self-employment tax. Both require deliberate planning.
Capital Gains Timing and Harvesting
Short-term versus long-term holding period planning, tax loss harvesting to offset gains, and coordination between investment income and your ordinary income bracket. Timing your gains and losses correctly can make a significant difference in what you owe.
2025 OBBBA Law Changes
The One Big Beautiful Act (Public Law 119-21) introduced changes effective for tax year 2025 forward including CTC at $2,200 per qualifying child, ACTC cap at $1,700, overtime deduction capped at $12,500 (or $25,000 MFJ) sunsetting 2028, and EITC childless filer age range adjusted to 25 to 65. We file based on current law, not outdated guidance.
Section 04

IRS Correspondence
& Resolution

When the IRS sends a letter most people panic and do nothing. That is the worst response. We read it, respond to it, and handle it so you are not facing compounding penalties for inaction.

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 the correct documentation to resolve it at the lowest possible liability.
Amended Returns (Form 1040-X)
If a prior year return was filed incorrectly or missed a deduction, we prepare and file the amended return. We also evaluate whether amending is actually in your best interest before recommending it.
Penalty Abatement
Missed RMD penalty abatement, failure-to-file and failure-to-pay penalty relief, and first-time abatement requests where the taxpayer has a clean compliance history. The IRS grants abatement more often than most people realize when the request is properly documented.
Audit Support and IRS Representation
Correspondence audits, office audits, and full field examinations. We prepare your documentation, communicate with the IRS on your behalf, and represent your position. Zero client audits in nine years of PTIN activity.
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.