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Protect Your Future | Life Insurance, Living Benefits & Tax-Free Retirement Plans

Discover how life insurance with living benefits can protect your income, cover unexpected illness, and fund a tax-free retirement. Learn to save for college and use the Be Your Own Bank strategy to grow generational wealth.

Qualified Specialists

Our specialists have years of experience in retirement income planning and protection.

Individual Approach

Every client of Preferred receives a personalized plan which aligns with their specific goals and needs.

Local Vibe

We are an independent and local agency, which means we can craft plans that fit your needs, not some big financial firm.

Our Founder Todd Wolaver

Todd is the owner and manager of Preferred Financial Associates. He has been in the business for 8 years and specializes in living benefits life insurance, mortgage protection, and final expense insurance.

Business & consulting agency.

Financial & retirement management.

Award winning company.

Modern Insurance and Retirement Tools & Service

We have created the most modern and professional system designed to help families, professionals and businesses with their life insurance and financial security plans.

Business Analysis

At Preferred Financial Associates, our Business Analysis helps individuals and families assess their financial health and future goals. We evaluate existing life insurance, retirement strategies, and savings plans to uncover gaps in protection and missed tax-free growth opportunities. Whether it's income replacement through living benefits, funding a child’s education, or planning a tax-free retirement, we provide clear, personalized insights that lead to smarter decisions and lasting financial security.

When Illness Strikes

Preferred Financial Associates help protect your income when life takes an unexpected turn. Our living benefits life insurance policies provide tax-free cash if you're diagnosed with a serious illness or injury and can’t work. This money can be used to cover bills, mortgage payments, or everyday expenses—so you can focus on recovery, not financial survival. It's smart protection when you need it most.

Tax Free Retirement

At Preferred Financial Associates, we design tax-free retirement strategies using specially structured life insurance plans like IULs and whole life policies. These tools allow your money to grow safely, avoid market losses, and provide tax-free income in retirement. Unlike traditional plans, there are no penalties, no required distributions, and no tax surprises—just financial freedom when you need it most.

College Savings

Preferred Financial Associates offers smart, flexible college savings strategies that grow tax-free and don’t affect financial aid eligibility. Using life insurance-based plans, you can build a secure education fund for your child with no market risk, no penalties, and full access to the money when you need it. It’s a better way to plan for their future—starting with just pennies a day.

Become Your Own Bank

At Preferred Financial Associates, we help you take control of your money with Indexed Universal Life (IUL) policies. These powerful tools let your money grow tax-deferred, earn interest linked to market performance (with zero downside risk), and provide tax-free access when you need it. Use your policy like a private bank—borrow against it, grow wealth, and create a legacy—all without giving up control of your cash.

Serving Walton

Serving Walton is building a stronger, more connected community by bringing together local businesses, financial professionals, and civic leaders to educate, empower, and uplift the people of Walton County. Through networking events, financial literacy workshops, small business promotion, and community outreach, we’re creating opportunities for growth, collaboration, and long-term impact—right here at home.

Why people love to work with us.

We are local, professional and put people over profits Period!

Protect your business with Preferred Financial Associates

We offer impressive business solutions designed to protect your income if you become sick and cannot work.

Development

90%

Ui/Ux Design

70%

Graphic Design

60%

Motion Graphic

80%

We work with families, professionals, business owners & more...

Our mission is to Serve Walton with the highest level of professional standards possible. Transparency, Honesty and Integrity are our core values.

Everyone Needs Living Benefits Life Insurance

Help Spread The Word About Preferred Financial

Our Team - Coming Soon

Chris Walker

Kathy Walker

Jamie Rice

Ronni Rice

Why do I need life insurance?

Being fiscally responsible means making smart financial decisions today to safeguard your tomorrow. This includes having a plan in place for emergencies, illness, and income loss. Life insurance with living benefits helps you stay financially stable—even if you can’t work—by providing access to funds when you're critically ill, injured, or diagnosed with a serious condition. It’s one of the most responsible financial moves you can make for yourself and your family.

How do living benefits work if I become sick or injured and can’t work?

Living benefits are an add-on or built-in feature of certain life insurance policies—like Indexed Universal Life (IUL) or Whole Life—that allow you to access a portion of your death benefit while you’re still alive. If you're diagnosed with a critical, chronic, or terminal illness, you can receive a lump sum of money to use for medical bills, mortgage payments, groceries, or anything else you need. This helps replace lost income and avoid financial ruin during the hardest times of life.

Can life insurance with living benefits replace my income during a medical emergency?

Absolutely. If you’re unable to work due to a qualifying illness or injury, life insurance with living benefits can provide a financial lifeline. It pays you a portion of the policy’s death benefit, which you can use to cover monthly expenses, medical costs, or to simply stay afloat while you recover. Unlike disability insurance, there’s no waiting for approval, and the funds are flexible. It’s one of the most powerful income protection tools available today.