[vc_row][vc_column width=”1/4″][vc_single_image image=”83″ img_size=”full” alignment=”center”][vc_custom_heading text=”DR. DYLAN FOSTER” font_container=”tag:h4|text_align:center|color:%23101049″ use_theme_fonts=”yes”][vc_column_text]

Estate, Retirement, & Death Planning

Licensed Life Insurance Agent in AZ, WA, CA, ID, IO, UT, TX, FL



[/vc_column_text][/vc_column][vc_column width=”3/4″][vc_video link=”https://youtu.be/eeVQRoU3Qow” align=”center” title=”Dr. Dylan Foster’s Mistake You DON’T want to make”][vc_column_text]About Dr. Dylan Foster – Your Retirement Genie 

I have always had a passion for health and wealth throughout my entire adult life.  For twenty-two years I had practiced as a successful Chiropractic Functional Medicine Physician and in those twenty-two years there were two huge factors that called for me to change from my cushy doctor career to a new career of helping people within the financial industry.

First was that an extremely large percentage of my patients, even though they had health insurance, were financially destroyed from their medical expenses (not from me, but from all the doctors before me).  In fact, it is estimated that 92% of the population has health insurance, yet 66.5% of all bankruptcies were tied to medical issues.

As I got to know my patients, I saw time and time again that no one ever educated them on knowing how to protect their hard-earned assets and most importantly, how to really be financially preparing for the future.  They were cashing out their 401ks, IRAs, life savings, selling their houses and so on just to be able to pay for medical expenses. All while having nothing left over to live off of for retirement, nor were they any longer able to leave a legacy to their loved ones.

Sure, I was grateful to have been able to help them with their health, but I still felt terrible for these patients knowing how they are having to financially start all over in their 60s and 70s.  I remember years ago when a patient told me:

“I spent my whole life sacrificing and ignoring my health so that I could make a whole lot of money. Now I am spending all that money I made trying to get back my health”


I knew, after seeing so many patients go completely broke from medical expenses that I had to figure out a way to help them.

The Second factor was related to me, my friends, my colleagues, and most other self-employed professionals.

As I got older, I was able to see many of my highly successful mentors approach retirement age, only to find out that they had nothing prepared for any type of long term guaranteed retirement income.  Sure, they had some stocks and Roth IRAs, but they quickly realized that once they cashed out – after paying that wonderfully huge tax bill, or seeing the stock market drop, or having to pay off some debt, there would not be nearly enough money left over to live off of throughout retirement. So, what do these very successful people have to do?  Well, they have to keep working.  The worst part is that not only did I see this, but at age 49 I saw that I was in the same boat as these other older doctors and self-employed professionals.  I too was in no position of ever being able to retire.  Like my best friend’s dad, who is a successful chiropractor said to me:

“I will have work until the day I die because no one ever showed me how to properly plan ahead.”

To make matters worse, his only legacy was his one-million- dollar term life insurance policy that had lapsed.  Now he had no retirement or legacy, just debt. Because I could relate so well, those words he said, sat so heavy on my heart.  I knew I had to do something.

I know there are a lot of financial planners and advisors out there. I personally have met and known many throughout my professional career.

Why then was I, and millions of others just like me not set up for retirement or estate planning?

Why did no one explain to me the importance of planning ahead?

Why did no one tell me that I could have a guaranteed retirement income, no matter how long I lived for?

Why did no one tell me that it is critical for me to plan ahead and update my estate so that my loved ones, not the government, can take over my assets and legacy?

Why did no one tell my friend’s dad that he could have sold his term life insurance policy and get back a large amount of money that he put in and put it on a new and better policy to provide additional retirement income or long-term care?

Many questions went through my head, the only answer I got from God was:

“you need to be there to help these people that don’t know how or what to do.”

And just like that, I sold my practice, changed my career, and started focusing on in depth training, education, researching, certifications and finding the right team to make sure I can provide the best viable options for my clients.

I do not know if it is because I am over 50, or because I have become smarter with age, but I have become extremely conservative when it comes to my financial matters.   I have seen the stocks rise with excitement, just to crash a few years later like the titanic.  I have seen the real estate industry, which I was always told was the safest and best, also rise with excitement, to also crash like the titanic.

BUT…I have never seen in history, the Insurance industry crash. In fact, since its inception, the insurance industry has always been there for those that put their assets or trust in it. It has always been safe, stable, reliable, and even profitable if you know what you are doing.

Why do I mention this? Because estate planning is much more than making a will or trust.  It is about planning for your future, the future of your loved ones and being able to protect and preserve everything you have worked so hard for. By not using proper insurance tools, you can burn through your estate before any of your loved ones ever get a chance to benefit from your hard work.

The last thing any of us want to do is give our “stuff” away to legal battles, taxes, medical bills or retirement expenses.

Let’s leave a great legacy, protect our assets, our health and use the insurance companies to pay for our retirement!

Being conservative and only wanting to help those that are looking ahead, I am not your risky broker, monthly commission taking financial advisor.  I am all about playing it safe, knowing what is going to happen and maximizing the use of programs that have guarantees, no fees and estate planning protection.  My focus is – “What it will do, not, what it might do!”

It is with this safe and conservative approach that I started my own corporation called FPP Financial, where we help you Foster, Protect and Plan for your financial future.  And because I have learned in my career that two minds are better than one, I have teamed up with industry experts that have over 100 years’ worth of combined experience to make sure that I will always provide what is best for my clients.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][/vc_column][/vc_row]