About us

Your Best Life
Starts Here

Learn How to Protect your Family and Grow Weath.

Investments

SAFEGUARDING YOUR ASSETS AND
EMPOWER YOUR INVESTMENTS

COMMITTED TO ENSURING YOUR RETIREMENT SECURITY AND PEACE OF MIND WITH OUR SOPHISTICATED STRATEGIES AND DIVERSED PORTFOLIO.

Retirement

ARE YOUR RETIREMENT ASSETS PREPARED
FOR THE NEXT MARKET DOWNTURN?

LIFETIME INCOME IN RETIREMENT IS THE DIVIDEND OF A LIFETIME OF HARD WORK AND SMART FINANCIAL PLANNING.

College Funding

Helping To Make Private College
Education More Affordable.

LIFETIME INCOME IN RETIREMENT IS THE DIVIDEND OF A LIFETIME OF HARD WORK AND SMART FINANCIAL PLANNING.

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Trusted Fiduaciary

Your interests are always placed first and are the highest priority.

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SAVE thousands from fees

Our proper design and strategy could save you thousands and millions of dollars in retirement from unnecessary fees.

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HOLISTIC PLANNING

Our goal is to help you maximize your wealth, reduce income taxes and protect your assets.

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YOUR FUTURE IS OUR FOCUS AND PRIORITY

At USA Wealth Solutions, we are driven by a commitment to build lasting relationships rooted in trust and mutual respect—not just transactions. Our mission is to create a meaningful impact by empowering individuals and families to achieve financial security and generational wealth. We value determination, gratitude, and timeless principles like honesty, kindness, and generosity, and we look forward to working with those who share these core values.

Why Choose USA Wealth Solutions

We are proud to be among the top independent financial strategists and retirement income planning advisors. Our expertise spans a wide array of financial strategies designed to protect, grow, and optimize your wealth. Here’s what we specialize in:

Principal Protection: Safeguard your funds from market volatility and risks.
Flexibility: Enjoy penalty-free, restriction-free access to your funds without age limitations.
Liquidity: Gain easy and quick access to your funds when needed.
Tax-Free Growth: Maximize your savings with tax-free growth and access to your funds.
Peace of Mind: Build confidence in your financial future and retirement plans.
Living Benefits: Secure long-term care and income protection to ensure your well-being.
Asset Management: Actively manage high-risk, high-return equity portfolios for ambitious growth goals.

Exclusive Free Programs and Support

When you work with USA Wealth Solutions, you unlock access to exclusive programs and benefits rarely found elsewhere:

Scholarships: Receive free scholarships worth over $50,000 per child to private universities.
Estate Planning Tools: Complimentary access to tools for creating wills, powers of attorney, and family planning strategies to protect your legacy.

We are committed to not just planning for your financial future but ensuring you and your loved ones thrive for generations to come.

Let Us Help You Build Generational Wealth:

At USA Wealth Solutions, your success is our success. Together, we can secure your future and provide the financial freedom you deserve. Reach out to us today to explore how we can tailor our strategies to meet your goals!

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INVESTING MANAGEMENT

Whether you prefer to “set it and forget it,” or you want to more actively participate in your investments, we can help you design an investment strategy that matches your risk tolerance and goals. And we know that risk tolerance changes as life happens — so we plan for that, too.

RETIREMENT PLANNING

We work with you to create a retirement plan that will identify and reduce as many financial risks as possible that you may face during your retirement.

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TAX-FREE STRATEGIES

Taxes are one of our most significant expenses in life and a vast piece of the financial puzzle that can often be overlooked. We utilize multiple strategies to help our clients pay less in taxes.

INSURANCE SOLUTONS

INSURANCE SOLUTIONS

We offer a diverse range of life insurance, health insurance, and annuity options to cater to various needs, goals, personal circumstances, and medical conditions. we represent over 90 insurance companies, each offering a select array of insurance types.

COLLEGE FUNDING

An innovative approach to college funding using Tax-free growth, tax-free distribution, and principal protection. We offer free Scholarship program from 500 Private Colleges and Universities members, 90% America Best Ranking.

BUSINESS SUCCESSION

Every business owner will leave their business at some point. This may be due to Death, Disability, Retirement, Bankruptcy, or Economic changes. What happens to you, your family, your business, business partners, and their family when this happens?

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Investment Management:

Optimize investment returns, Minimize risks, and preserve and grow the value of assets (Stocks, Bonds, Mutual Funds, ETFs, etc.)

Michael Tran, our Founder, is a SEC registered investment advisor representative (IAR) of Portfolio Medics, a SEC Registered Investment Adviser (IA), which is ranked by USA Today as the top 1% of investment advisory firms in the US in 2024, currently managing more than $500 million in client investments. . We are not State registered because it’s only for smaller firms with $110 Million or less in assets under management. You can rest assured about the professional work from our IA. The Asset managers at our firm oversee investment portfolios, which may consist of stocks, bonds, mutual funds, exchange-traded funds (ETFs), and other financial instruments. They make investment decisions based on their client’s goals and risk tolerance. Our RIA works with third-party custodians. That means that your assets are held by an independent third-party custodian, such as TD Ameritrade or Charles Schwab which is the largest investment services firm, with around $8.52 trillion in client assets. We work with multiple outside money managers to bring sophisticated investment
strategies within reach of everyday investors — strategies that are typically beyond the scope of traditional buy-and-hold portfolios. By turning to these managers, we are able to eliminate conflicts of interest and keep client goals the focus of our investment strategies. We have many strategies from passive (buy and hold), blend (passive & active), or active (actively managed) for your needs.

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COMPREHENSIVE FINANCIAL PLANNING

Financial planning is the process of taking a comprehensive look at your financial situation and building a specific financial plan to reach your goals. We will create a comprehensive financial plan tailored to your future needs. Here are some of the important plannings that are included:

Investment Planning
Retirement planning
Life Insurance Planning
Tax Planning
Estate planning
Debt Management
College & Education Funding Planning
Cash Flows of Proposed Plan
Secure document vault

Learn More about Financial Planning$

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FREE LEGACY PLANNING PROGRAM

Legacy Planning program was created to provide you and your loved ones with legacy planning and end of life planning, guidance and assistance. Let our simple and innovative planning process enshrine your life lessons and core values for you to pass them to future generations. Take the steps to help ensure that your family will be taken care of at the time of need.

Legacy Planning Guide Software™ — Simple way to document and share life’s keystone moments and values with loved ones. Easy-to-use software built to connect generations.
Legacy Planning Archive™ — Specify your final wishes to reduce stress and confusion in the funeral planning process. Outlines what’s needed to complete a death certificate and obituary.
Estate Planning Attorney Locator — Assists you in locating specialized estate & elder law attorneys.
Free Online Legal Documents — Online resource to create self-guided documents such as: living will, last will & testament and power of attorney.
Legacy Planning program Advisors — At the time of need, our planning experts are on call to guide
your family through the planning process.

Learn More about Our FREE Legacy Planning Program$

FREE COLLEGE SCHOLARSHIP PROGRAM

BestFamilyName is proud to be part of a Tuition Rewards Program that can help families pay for the College of their children or grandchildren. Nearly 500 private colleges and universities are joining the program, and 90% of them have received an “America’s Best” ranking by U.S. News and World Report. The scholarship can be valued as much as $57,000 maximum per student. In last year, the program has guaranteed families savings of over $98M in tuition.

Saving for college is one of the biggest challenges families face today. The Tuition Rewards program reduces financial stress and provides a simple and effective way for your family to send a child or loved one to college. Only certain products are eligible for the program, such as Annuity, IUL, Long-term care and disability insurance. The sponsors/parents can earn 5,000 points or more a year and each point is valued as $1 for a scholarship. Contact us to learn more about this free College scholarship program.

Learn More about Our Free College Scholarship Program$

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Financial Planning Video

See an overview of our cutting-edge financial planning software. Contact USA Investment Solutions for more details. Stay on top of your financial life.

Navigating Market Uncertainty

Change Your Financial Future Today

Benefits of a Tax-Efficient Distribution Strategy

Stay on Top of Your Financial Life

Take Control of Your Student Loans

Get Retirement Ready

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Retirement Risks Video

Learn about the 7 risks in retirement. Contact USA Investment Solutions for Asset Management, Life, Accident & Health Insurance to protect you and your loved ones. We are the largest insurance broker representing more than 90 best insurance carriers in the US. We will shop for the best rates and benefits for your situations and needs. We can also design a diversified portfolio for your retirement.

1. LONGEVITY RISK

2. INFLATION RISK

3. SEQUENCE OF RETURNS RISK

4. WITHDRAWAL RATE RISK

5. EQUIVALENT PORTFOLIO VALUE

6. SOCIAL SECURITY RISK

7. TAXATION RISK

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OUR TOP INSURANCE CARRIERS

We work with 90+ Insurance providers and find the best rate and best benefits for you.

See Our Top Insurance Carrier List$

OUR TOP INSURANCE CARRIERS

We work with 90+ Insurance Companies and find the best rate and best benfits for you.

See Our Top Insurance Carrier List$

What is the difference between captive and non-captive insurance agents?

Captive and non-captive insurance agents are two distinct types of insurance agents or brokers, and they differ in terms of the insurance companies they represent and the range of insurance products they offer. Here are the key differences between captive and non-captive insurance agents:

Captive Insurance Agent:

Limited Representation: A captive insurance agent represents only one insurance company or a closely affiliated group of insurance companies. They have a "captive" relationship with their insurer(s).
Exclusive Products: Captive agents primarily sell insurance products offered by their affiliated insurance company or group. They are limited to offering the specific policies and coverage options provided by that insurer.
Loyalty to the Insurer: Captive agents are typically loyal to their affiliated insurance company because they exclusively sell its products. They may have sales targets or quotas set by the insurer.
In-Depth Knowledge: Captive agents often have in-depth knowledge about the insurance products they sell, as they focus exclusively on those specific policies.
Brand Consistency: Captive agents usually promote the brand and image of the insurer they represent. They may wear the insurer's logo and use branded marketing materials.
Limited Product Selection: Clients who work with a captive agent have access only to the insurance products offered by that specific insurer. If a client's needs or preferences don't align with the products available, they may need to seek coverage elsewhere.

Non-Captive Insurance Agent (Independent Agent or Broker):

Multiple Representations: Non-captive insurance agents are independent and represent multiple insurance companies. They are not tied to a single insurer, which allows them to offer a wide range of insurance products from various providers.
Diverse Product Offerings: Non-captive agents have the flexibility to present clients with a variety of insurance options, policies, and coverage levels. They can help clients find the most suitable insurance products for their needs.
Client-Centric Approach: Independent agents prioritize the best interests of their clients. They are not obligated to meet sales quotas for a single insurance company, giving them greater flexibility to tailor insurance solutions to individual client needs.
Comparison Shopping: Independent agents can compare quotes and coverage options from multiple insurers to find the best value and coverage for their clients. This helps clients make informed decisions.
Objective Advice: Non-captive agents are often seen as providing more objective advice because they are not tied to a single insurer's products. They can provide impartial recommendations based on the client's specific requirements.
Brand Neutrality: Independent agents do not promote a single insurer's brand or image. Instead, they focus on finding the best insurance solutions for their clients.

In summary, the key difference between captive and non-captive insurance agents lies in their affiliations and the scope of their product offerings. Captive agents represent a single insurer and are limited to that company's products, while non-captive agents are independent and offer a wide range of insurance options from multiple insurers, giving clients more choice and flexibility. The choice between a captive and non-captive agent depends on an individual's insurance needs and preferences.

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What are the disadvantages of getting advise from an captive insurance agent?

There are several disadvantages to getting advice from a captive insurance agent, and it's essential to be aware of them when considering your insurance options:

Limited product options: Captive insurance agents work exclusively for one insurance company or a group of affiliated companies. This means they can only offer you insurance policies from that particular company or group. As a result, you may miss out on potentially better coverage or pricing available from other insurers.
Biased recommendations: Captive agents may have a financial incentive to promote the products of the company they represent, as their commissions are often tied to sales of those products. This bias can lead to recommendations that may not be in your best interest but are advantageous to the insurance company.
Lack of customization: Since captive agents can only offer products from their affiliated insurance company, you may have limited flexibility in customizing your insurance coverage to meet your specific needs. This can be problematic if you require specialized or unique coverage options.
Potentially higher premiums: Due to the limited product range, you may end up paying higher premiums than you would with other insurers that offer more competitive rates for the same coverage.
Reduced objectivity: Captive agents may not provide you with objective advice since they are primarily focused on selling their company's products. They may not consider alternative insurance options that could be a better fit for your situation.
Limited access to expertise: Captive agents typically have in-depth knowledge of the products they represent, but they may not be as well-versed in the broader insurance market or industry trends, which could limit their ability to provide comprehensive advice.
Less competition: Working exclusively with a captive agent means you miss out on the opportunity to compare and evaluate multiple insurance companies' offerings to find the best deal.

To make informed insurance decisions, it's often advisable to consult with independent insurance agents or brokers who can provide a broader range of options from different insurers. Independent agents can offer more objective advice and help you find the most suitable insurance coverage for your needs, often at more competitive prices.

Sources: Microsoft ChatGPT (https://chat.openai.com/)
Question: "What is the difference between captive and non-captive insurance agents?"
Question: "What are the disadvantages of getting advise from an captive insurance agent?"

About us

Your Best LifeStarts Here

Investments

SAFEGUARDING YOUR ASSETS ANDEMPOWER YOUR INVESTMENTS

Retirement

ARE YOUR RETIREMENT ASSETS PREPAREDFOR THE NEXT MARKET DOWNTURN?

College Funding

Helping To Make Private CollegeEducation More Affordable.

Trusted Fiduaciary

SAVE thousands from fees

HOLISTIC PLANNING

YOUR FUTURE IS OUR FOCUS AND PRIORITY

Why Choose USA Wealth Solutions

Exclusive Free Programs and Support