Chief Financial Strategist · Washington, DC

Specializing in Customized
Life Insurance Contracts
to Build Wealth.

Insurance isn't just protection — it's your most powerful tool for building wealth, eliminating debt, and retiring on your own terms. Steven E. LaBroi has spent 30+ years showing families how to use it strategically.

Steven E. LaBroi, Chief Financial Strategist
30+
Years of
Experience
30+
Years in Business
400+
Personal Clients
40+
States Licensed
Bestselling Author

Built for Those Who Are
Serious About Financial Freedom

Our clients are done leaving money on the table. They want a strategy — and someone who speaks their language.

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Pre- & Post-Retirees

You've worked hard. Now it's time to protect what you've built, maximize your income, and create a retirement that lasts — including the option to retire abroad.

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Business Owners

Your business is your biggest asset — but is it protected? We help business owners transition from market volatility into secure, tax-advantaged retirement income.

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Professionals & Families

You have a 401(k) or workplace plan. But are you making the most of it? We help you roll over, optimize, and build wealth that outlives you.

Insurance as a Strategic Financial Tool

We don't just sell policies — we build financial strategies using insurance as the foundation for lasting wealth.

01

Life Insurance & Living Benefits

Life insurance is not just a death benefit — it's a living asset you can access today. We help you unlock the full power of your policy through Living Benefits, cash value, and tax-free income strategies.

Whole Life IUL Living Benefits Tax-Free Income
02

Annuities & Retirement Income

Stop worrying about outliving your savings. Fixed-Index Annuities provide guaranteed lifetime income, market-linked growth with no downside risk, and the peace of mind you deserve in retirement.

Fixed-Index Annuities Lifetime Income Zero Risk Floor
03

Retirement Rollovers & Planning

Leaving a job or retiring? Your 401(k) or 403(b) deserves better than being left in limbo. We guide you through smart rollovers into accounts that grow tax-efficiently and pay you for life.

401(k) Rollover IRA Strategies Tax Optimization
04

Cash Flow & Generational Wealth

True financial freedom means your money works harder than you do. We build cash flow strategies that eliminate debt, create tax-free income streams, and leave a legacy for your family.

Debt Elimination Cash Flow Management Generational Wealth
05

Roth Conversions

Converting pre-tax retirement savings into a Roth account can mean tax-free income for the rest of your life. We help you determine the right timing, amount, and strategy to minimize your tax burden while maximizing long-term growth.

Roth IRA Tax-Free Growth Retirement Planning
06

Long Term Care

The cost of long-term care can devastate even the most carefully built retirement plan. We help you protect your assets and your family with smart strategies — including hybrid life insurance policies that cover long-term care without the "use it or lose it" trap of traditional LTC policies.

LTC Insurance Hybrid Policies Asset Protection
Steven LaBroi meeting with clients
400+
Families
Served

Meet Your
Chief Financial Strategist

Steven E. LaBroi is the founder of LaBroi Insurance Group, LLC and has spent over 30 years as a retirement financial advisor, serving 400+ clients across more than 40 states. His mission is personal: to give African American families the financial strategies that build real, lasting wealth.

Steven is also a bestselling author whose book Build Your Human Equity Line of Credit® became a leading Amazon title on how life insurance can be used as a living asset — dispelling the stigma that it's only a death benefit. His follow-up, Financial Erudition of African Americans, provides the blueprint for asset-building over a lifetime.

Independent insurance agent — works with top carriers to find the best fit for you
Specialist in retiring abroad — helping clients build the financial foundation for global freedom
Bestselling author, speaker, and financial educator committed to closing the wealth gap
Licensed in over 40 states — able to serve clients across most of the country
Connect on LinkedIn

What Our Clients Are Saying

Real results from real people who took control of their financial future.

What People Ask Steven

Straight answers to the questions we hear most often.

A Living Benefit lets you access your life insurance death benefit while you're still alive — typically if you face a terminal, chronic, or critical illness. It means your policy is a financial asset you can use today, not just a check your family receives after you're gone.
A Fixed-Index Annuity grows based on a market index (like the S&P 500) but has a guaranteed floor of zero — so you cannot lose money when the market drops. It also provides guaranteed lifetime income in retirement, making it one of the most effective tools for protecting your savings.
Yes. Rolling over a 401(k) or 403(b) from a former employer into a Fixed-Index Annuity is a smart way to protect your retirement savings from market volatility while creating a guaranteed income stream for life. Steven guides clients through this process in every state he's licensed.
Retiring abroad requires portable, reliable income and strong financial protection. Life insurance cash value, annuity income, and proper long-term care planning create a foundation that lets you live internationally without relying solely on Social Security or a fixed pension.
A Roth conversion moves money from a pre-tax retirement account (like a Traditional IRA or 401(k)) into a Roth IRA, where it grows tax-free and can be withdrawn tax-free in retirement. You pay taxes on the converted amount now, but never again — making it a powerful strategy if you expect to be in a higher tax bracket later, or want to leave tax-free wealth to your heirs. The timing and amount of a conversion matters greatly, and Steven helps clients determine the optimal approach based on their specific situation.
Long-term care (LTC) insurance covers the cost of assistance with daily living activities — such as bathing, dressing, or memory care — that are not covered by Medicare or standard health insurance. The average cost of a nursing home exceeds $90,000 per year, which can quickly wipe out a retirement portfolio. Steven specializes in hybrid life insurance policies that include long-term care riders, so if you never need care, your family still receives a death benefit — eliminating the "use it or lose it" downside of traditional LTC policies.
Steven E. LaBroi is licensed in over 40 states, allowing him to serve clients across most of the country. Contact us to confirm coverage in your state.

Bestselling Books on
Building Wealth That Lasts

Steven's books aren't theory — they're the same strategies he uses with clients every day.

Build Your Human Equity Line of Credit by Steven E. LaBroi, bestselling book on life insurance and wealth building
Amazon Bestseller · 2nd Edition

Build Your Human Equity Line of Credit®

The secrets to creating a lifetime of assets in any economy. Discover how life insurance — used correctly — is one of the most powerful wealth-building tools available today.

Get the Book
Financial Erudition of African Americans Part 2 by Steven E. LaBroi, blueprint for generational wealth
New Release · Part 2

Financial Erudition of African Americans

The blueprint for asset-building over a lifetime. A direct, practical guide to closing the wealth gap and building generational prosperity for Black families.

Get the Book
Licensed to Serve You In

Licensed in Over 40 States Nationwide  ·  Contact Us to Confirm Your State

Book Your
Free Strategy Call

No pressure. No jargon. Just an honest conversation about where you are financially and what's possible for your future.

  • Review your current insurance and retirement situation
  • Explore annuity and rollover options for your goals
  • Discuss retiring abroad and what that requires financially
  • Get a personalized action plan — completely free

📞  (202) 544-6226
✉️  slabroi@labroiinsurancegroup.com

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