Protect What Matters Most.
Secure What You’ve Worked So Hard to Build.
Helping individuals, families, and business owners protect their families and businesses with customized life insurance strategies. Specializing in secure investment options.
Build Confidence Into What Comes Next
As retirement approaches, the decisions you make can shape your income, taxes, and long-term security for years to come. I help you understand the challenges ahead so you can make informed decisions with greater confidence.
Taxes in Retirement
Understand how withdrawals and future tax exposure may affect your retirement plan.
Reliable Retirement Income
Create a strategy designed to support steady income throughout retirement.
Protect What You’ve Built
Explore ways to reduce unnecessary risk and preserve the assets you’ve worked hard to build.
Protecting the People You Love
Protect your family and create a legacy that reflects what matters most to you.
A Trusted Guide Through Life’s Changes
Nanci Koski is a licensed life and health insurance agent and the owner of Changing Tides. With more than 25 years of industry experience, she helps individuals and business owners understand their options, protect what they’ve built, and plan confidently for the future.
Her approach is rooted in education, honesty, and personal service. Rather than starting with a product, Nanci focuses on understanding each client’s goals and helping them make informed decisions that fit their situation.
Changing Tides also carries forward a family history in the insurance business that began nearly 50 years ago, giving the company a strong foundation in long-term client relationships and service.
25+
Years of Experience
Independent
Insurance Brokerage
What Could a Roth Conversion Look Like for You?
With the Roth Blueprint, we can help you explore:
- How much may make sense to convert each year
- The potential timing of conversions
- Current and future tax-bracket considerations
- Required Minimum Distribution considerations
- Medicare IRMAA thresholds
- Retirement income and legacy goals
At Changing Tides, Nanci walks you through the results so you can understand the numbers, ask questions, and decide whether a Roth conversion strategy is right for you.
Roth Blueprint projections are educational illustrations and are not guarantees of future results or individualized tax or legal advice. Clients should consult their tax and legal professionals before making conversion decisions.
Education & Secure Options for Life’s Next Chapter
Approaching or Enjoying Retirement
You may see yourself here if you:
- 60+ and approaching important retirement decisions.
- Built meaningful savings, including IRAs or retirement accounts
- Thinking about taxes, Roth conversions, or future RMDs.
- Want more predictable income and less uncertainty.
- Want education and clarity before making important retirement decisions.
Business Owners
You may see yourself here if you:
- Want to protect the business you’ve worked hard to build.
- Family or employees depend on the business.
- Are thinking about succession, continuity, or legacy.
- Need life insurance or protection strategies tied to ownership.
- Want a plan that supports both your business and personal future.
Solutions Built Around Your Goals
Once we understand what matters most to you, we can explore options that support your retirement, protect the people you care about, and help you plan with greater confidence.
Secure Retirement Income
Create more predictability in retirement with solutions designed to help protect principal and support dependable income.
Options include
- Fixed Indexed Annuities
- Multi-Year Guaranteed Annuities (MYGAs)
Life Insurance
Protect the people you love and support your long-term goals with coverage designed around your needs.
Options Available
- Term Life Insurance
- Whole Life Insurance
- Indexed Universal Life (IUL)
- Guaranteed Life Insurance
Business Owner Protection
Protect the business you’ve built, the people who depend on it, and the future you’re working toward.
Areas we can explore
- Key-Person Protection
- Buy-Sell Funding Options
- Business Continuity
- Life Insurance for Business Owners
Your goals come first. The solutions should support the plan, not define it.
“The best decisions are the ones you fully understand. My role is to give you clarity, explain your options, and help you move forward with confidence.”
Nanci Koski
Owner, Changing Tides Financial
Understand your options and make confident decisions.
Exploring retirement and protection options should start with understanding, not products. We take the time to explain your options, answer your questions, and help you see how different strategies may fit your goals.
Clarity
We make complex financial topics easier to understand.
Confidence
Know the reasoning behind a strategy before making a decision.
Personal Education
Your goals are unique. Your plan should reflect that.
Informed Decisions
Move forward with a clearer understanding of your choices and why they may fit.
Let’s Make your Retirement Picture Clearer
Talk through your goals, explore your options, and get a better understanding of the strategies that may fit your retirement or protection needs.