Your Questions, Answered

The best first step is to book a free 30-minute strategy call with Lloyd Perkins. During this session, we'll discuss your current financial situation, identify your goals, and outline a personalized plan. There's no obligation — just an honest conversation about where you are and where you want to be.

We work with individuals and families at all stages of their financial journey — from those just starting to tackle debt, to professionals looking to build long-term wealth and protect their legacy. Whether you're earning $40,000 a year or $400,000, our strategies are designed to meet you where you are.

Yes, absolutely. Your first strategy call is completely free with no strings attached. We believe in building relationships based on trust, and that starts with giving you genuine value before you ever spend a dollar with us.

After your call, we'll outline a customized roadmap based on your goals. Depending on your needs, this may include recommendations for specific services such as life insurance, an IUL policy, debt elimination coaching, or relevant digital products. You're always in control of the next steps.

An IUL is a type of permanent life insurance that builds cash value tied to the performance of a market index, such as the S&P 500, without directly investing in the market. It offers a floor that protects you from losses and a cap that limits the upside. It is a powerful, tax-advantaged vehicle for wealth building and retirement planning. Whether it is right for you depends on your financial goals, income, and timeline, which we will assess together.

Term life insurance provides coverage for a fixed period, such as 10, 20, or 30 years, and pays a death benefit if you pass during that term. It is generally more affordable and straightforward. Permanent life insurance, including IUL and whole life, provides lifelong coverage and builds cash value over time. We help you determine which type or combination best fits your family's needs and long-term financial strategy.

An annuity is a contract with an insurance company where you make a lump sum payment or series of payments in exchange for regular disbursements beginning immediately or at a future date. They are commonly used to create guaranteed income streams in retirement, ensuring you do not outlive your money. There are several types of annuities, including fixed, variable, and indexed, each with different risk and growth profiles.

Absolutely — in fact, that's often where the most meaningful transformation happens. No matter how much debt you're carrying, we've seen clients in similar or worse positions turn things around with the right strategy and mindset. Our debt elimination coaching is practical, judgment-free, and built around your real income and expenses.

Lloyd Perkins (NPN 21168877) is licensed in Alabama, Florida, Georgia, Michigan, North Carolina, Ohio, South Carolina, Tennessee, Texas and Virginia. Associated agents are licensed in multiple states. Availability of specific insurance products and services may vary by state. During your initial consultation, we'll confirm what services are available in your state and connect you with the appropriate licensed professional if needed.

Our Digital Wealth Vault includes a growing library of ebooks and financial frameworks covering debt elimination, credit repair, budgeting, emergency fund building, IUL basics, homebuying strategy, side income, and retirement planning. Each product is a focused, actionable guide designed to give you real, implementable strategies — not fluff.

Immediately upon purchase, you'll receive access to download your product digitally. There are no physical shipments. You can access your product on any device — phone, tablet, or computer — at any time.

Due to the instant-access nature of digital content, all sales are final and non-refundable once the product has been delivered. We encourage you to review each product's description and feature list thoroughly before purchasing. If you experience a technical issue accessing your product, contact us at lloyd.perkins@perkinswealthgroup.com and we'll resolve it promptly.

Not at all. Our products are written in plain, accessible language designed for everyday people — not finance professionals. Whether you're completely new to personal finance or looking to sharpen your strategy, our guides meet you at your level and walk you through each concept step by step.

We offer an opportunity for motivated individuals to become licensed financial professionals and build their own book of business while helping families eliminate debt and build wealth. You will receive training, mentorship, and support to obtain your insurance license and develop a career in financial services.

No prior experience is required. We've successfully trained and mentored individuals from all professional backgrounds. What matters most is your commitment to helping others and your willingness to put in the work to become licensed and skilled in the products and strategies we offer.

Income as a licensed financial professional is commission based and is not guaranteed. Earnings vary widely depending on individual effort, client acquisition, and market conditions. That said, this field offers significant income potential for those who are driven, consistent, and client focused. We provide full transparency about the opportunity during our onboarding process.