Testimonials
Real stories from real people whose lives have been transformed by financial empowerment.
John M.
I've been working with Dawn for several years, and I can't say enough good things about her. After my wife passed, I found myself lost and overwhelmed with everything. Dawn didn't just offer her help; she came to my workplace and sat down with me in a friendly way. She took the time to explain things clearly and patiently, helping me understand my financial matters when I needed it most. I truly feel like I have a trusted friend in Dawn, and it was a comfort to have her by my side during such a tough time.
Haley B.
From having Dawn as my manager in the auto industry, to now having her as my wealth strategist — I can say with confidence that I trust her judgement and loyalty. I couldn't be happier with the guidance and security she has provided for my future. Creating an individualized plan with Dawn that will stay with me through the uncertainty of life has been the best decision I've made!
Martin S.
Like many Americans I learned life's lessons through some success and a lot of mistakes. Nowhere is that more evident than in my financial security which I had little to no training or experience in.
Instead, I followed the steps of my parents who worked, saved, and when they could afford it invested a little in long term savings like CD's. Their retirement was a combination of a small pension, social security, and Medicare. Although I have a similar retirement, I also benefited from an employer sponsored savings plan we know as some variation of an IRA. These plans are excellent financial security tools as long as one keeps in mind their advantages as well as their limitations. They are often tax deferred, not tax free, and eventually the taxes will need to be paid by someone, either me or my heirs. In addition, many plans are based heavily on the stock market where they are subject to its volatility.
I have a fair amount of confidence in my financial future, but I was also interested in adding stability to my IRA based stock market ride. In talking with my financial advisors, their advice to stay the course seemed reasonable, but I also wanted to hedge my future a little and find something a bit more stable such as higher interest savings. I did my due diligence in examining options and insurance-based annuities seemed interesting. However, before I invested hard earned money in another area I knew little about, I needed to talk to someone I trusted, an expert who I knew for sure had my best interests in mind, not sales percentage profits for them and financial brokerages.
I found that person in Dawn O'Brien, a well-established financial consultant with a broad background in client service. Dawn isn't business driven; she is people driven. Dawn's core mission is to educate, counsel, and assist her clients as they navigate financial independence and stability.
After talking with Dawn and doing my own due diligence, I invested a portion of my financial portfolio as researched and recommended by Dawn. I have watched its value grow while assured that I will not experience market losses. I'm still invested with my traditional IRA advisors, but Dawn's guidance has enabled me to get a little more confidence and stability in my financial future. I rest easier in these uncertain times knowing that I have removed some of my hard-earned money from the volatility of traditional IRA stock market-based investigating.
Dawn O'Brien is more than my financial advisor. Her father-in-law and I were partner police officers, her husband is a military veteran, a Marine. They are closer than family in whom I trust. I urge anyone looking for more future financial security to talk with Dawn about options.
Ricardo H.
Working with Dawn has been a transformative experience for me. As a young entrepreneur, I quickly realized the value of having the right guidance. Through our sessions, I learned skills that personally benefit not only my future but my daughter's as well. Thanks to Dawn's support, I developed a solid financial plan that has created a safety net for my family. This "financial fence" has given me peace of mind, allowing me to focus on life without the constant worry about our financial future. The insights I've gained have empowered me to approach situations with clarity and confidence. I highly recommend Dawn to anyone looking for peace of mind for their future. It's been an invaluable investment in my future!
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Schedule Your Free ConsultationFrequently Asked Questions
I help individuals and business owners protect their retirement savings, optimize their tax strategy, and build guaranteed income streams they can never outlive. What most people don't understand is that proper education is the key — many believe that math equals money, but that's not the case. Too often, individuals feel pressured to chase high rates of return when they should be prioritizing guaranteed income for a secure retirement. My role is to educate first, then recommend strategies that actually fit your life.
People within 10-15 years of retirement — or already retired — who want to protect their savings from market risk and create reliable lifetime income benefit most from my services. If you're tired of watching your 401(k) swing with the market, confused by financial jargon, or simply want a clear plan you can actually understand, you're exactly who I built this company for. I also work with younger clients who want to start building tax-free wealth early.
We lead with education, not products — you'll never be sold something you don't fully understand. Traditional advisors often push a one-size-fits-all portfolio tied to market performance. I take a different approach: I work with multiple carriers to find strategies built around protection, guaranteed income, and tax efficiency. My focus is making sure you understand every option so you can make confident decisions about your own money.
We offer indexed annuities, living benefits life insurance, final expense planning, tax-free retirement strategies, 401(k)/IRA rollovers, college fund planning, Family Bank and Infinite Banking strategies, and market loss protection. Every service is designed around one principle — protecting what you've earned while creating options for your future. During our consultation, I'll help you identify which strategies align with your specific goals and timeline.
I am currently licensed in 15 states: New Jersey, Pennsylvania, Delaware, Maryland, Georgia, Florida, Colorado, Massachusetts, New Hampshire, Arizona, Oklahoma, Tennessee, Texas, Virginia, and Wisconsin. Our team continues to expand our reach, and if your state isn't listed, reach out — we may be able to help or connect you with a trusted professional in your area.
Indexed annuities are retirement products that let you participate in market gains while guaranteeing you'll never lose your principal — even during a market crash. Your growth is linked to a market index like the S&P 500, but your money is never directly invested in the stock market. When the index goes up, you earn a portion of the gain. When it goes down, your account value stays the same. They're ideal if you want growth with zero downside risk and the option for guaranteed lifetime income.
No — your principal is fully protected from market losses with an indexed annuity. Unlike traditional investments, your money isn't directly in the stock market. If the market drops 30%, your account value doesn't move. You simply won't earn interest during that period, but you'll never lose a single dollar of your hard-earned savings. This is exactly why Warren Buffett's Rule #1 matters: never lose money.
Yes — most indexed annuities allow you to withdraw up to 10% of your account value each year without any penalties. While these products are designed for long-term stability and growth, they're built with flexibility in mind. I'll help you choose the right annuity that balances your need for growth, safety, and liquidity so you're never locked out of your own money.
Yes, your initial 30-minute consultation is completely free — no strings attached, no hidden fees, no obligation. It's simply a chance for us to get to know each other, discuss your goals, and explore whether my strategies align with your vision for retirement. I believe in earning your trust before earning your business. If we're not the right fit, I'll tell you honestly.
Yes — I recommend and offer products including indexed annuities, life insurance with living benefits, and final expense insurance. But here's the difference: every product I recommend is carefully selected to safeguard your retirement, not to generate a commission. My advice is personalized, transparent, and always aligned with your best interests. I'll never recommend something I wouldn't use for my own family.
Not at all — I work with people at every stage of their financial journey. Whether you're just starting to save or you have a significant portfolio you want to protect, we'll create a plan that fits your budget and your goals. Some of my most impactful work has been with people who thought they were too late or too small to matter. The most important step is simply starting the conversation.
That's exactly what our free consultation is designed to answer. Everyone's situation is different — your goals, timeline, risk tolerance, and family needs all play a role in determining the right approach. I'll walk through your options, explain the pros and cons of each in plain language, and help you find the strategy that aligns with your life — not just your bank account.