Edwards Financial & Associates
We engineer advanced insurance and estate strategies that leverage your existing assets to multiply what you leave behind — not by chance, but by design.
"The most powerful estate transfer tool in existence doesn't require a dynasty trust or a family office. It requires the right policy, the right structure, and a strategist who knows the difference."Joshua Edwards — Founder
Clientele
Two distinct client profiles. One uncompromising standard of care. Whether you're building an empire or protecting one, this practice was built for you.
For those whose net worth demands more than conventional planning — clients who want their assets to work harder in death than they did in life.
For those who've worked a lifetime to build something worth protecting — and deserve a retirement with dignity and a legacy that outlasts them.
Our Philosophy
"Insurance-based solutions aren't a consolation prize.
They are the most powerful wealth transfer instruments
the tax code has ever produced."
Joshua Edwards — Edwards Financial & Associates
What We Do
A full spectrum of advanced financial strategies, each tailored precisely — never templated.
Use institutional lending to fund life insurance premiums — preserving liquid assets while engineering a death benefit that dwarfs what out-of-pocket funding could produce. The preferred strategy of the ultra-affluent, now accessible.
We don't just plan estates — we engineer them. Advanced insurance structures, ILITs, and tax-efficient wealth transfer strategies that multiply assets across generations without the erosion of estate taxes, probate, or capital gains.
Guaranteed income architecture that ensures you never outlive your assets — customized income riders, bonus strategies, and payout design built around your retirement reality.
Indexed Universal Life, engineered for maximum performance: market-indexed growth with a zero floor, tax-free retirement income, and a death benefit that transfers wealth outside your taxable estate — entirely by design.
Pension optimization, Social Security timing, RMD sequencing, and tax-efficient distribution — coordinated into one coherent retirement income plan that maximizes what you keep.
Accelerated benefit riders and long-term care solutions that protect your wealth and your dignity — so that a health crisis doesn't become an estate crisis.
The Experience
Every engagement begins with listening. Every plan ends with clarity. No rushing, no templates — just strategy built around you.
A private consultation to understand your goals, your family, and the full picture of what you've built — and what you want to leave behind.
A thorough review of your financial position — identifying gaps, inefficiencies, leverage opportunities, and estate vulnerabilities.
A bespoke plan — presented clearly, structured precisely, and engineered to perform across your lifetime and beyond.
Implementation, ongoing stewardship, and a relationship that evolves as your wealth, family, and goals evolve with it.
The Advisor
Joshua Edwards brings over 17 years of independent financial practice to every client relationship — built on a foundation of advanced insurance strategy, estate engineering, and a belief that financial solutions should be precision instruments, not products.
Operating as Edwards Financial & Associates, Joshua specializes in leveraging existing assets through premium finance and advanced IUL structures to create generational wealth transfer that conventional advisors simply don't offer — or understand.
His practice serves high-net-worth individuals and business owners seeking elite estate solutions, alongside families, retirees, and pension holders who deserve the same standard of care — under one roof, with one standard.
Joshua Edwards
Founder — Edwards Financial & Associates
Begin the Conversation
Whether you're exploring premium finance for the first time or seeking a second opinion on your estate plan — this conversation is private, pressure-free, and purposeful.
Practice
Edwards Financial & Associates
Meeting Format
Zoom · In-Person · By Appointment
Availability
Mon — Fri, By Appointment