Property and Casualty

Circle 285 Insurance

We've Got You Covered At Every Turn ™

What Types Of Property and Casualty can Circle 285 Insurance Do For You?

  • Home
  • Auto
  • Boat
  • Renters
  • Umbrella Liability
  • Commercial Property
  • Workers Compensation
  • General Liability
  • Cyber Liability
  • E & O, D & O
  • Surety Bonds
  • Business Interruption
  • Marijuana Insurance

What Is A Private CFO®

You are the CEO of your family finances. Every successful CEO has a great CFO beside them. Learn more about the revolutionary oXYGen Financial Private CFO®, and how we can help your family build a leaner budget, a fatter wallet, and a bigger net worth.

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Background and qualification information is available at FINRA's BrokerCheck website.

What We Don't Do

We DON'T represent any product companies

We DON'T take kickbacks from product companies

We DON'T try to hard sell you a bunch of insurance policies

We DON'T ever compromise our fiduciary standards

What's Keeping You Up at Night?

Fee Based Advice for Individuals and Couples

Up Front Fee
$800 - $10,000
Ongoing Monthly
$100 - $1,000

Comprehensive financial planning advice covering the six key areas of your financial future. Modular planning can be done as well.

Fee Based Advice for Business Owner

Up Front Fee
$1,500 - $15,000
Ongoing Monthly
$250 - $3,000

Comprehensive business planning and tax management advice, exit planning, business valuations, part time CFO services, and more

Fee Based Wealth Management

.25% - 2.00%

Depends on asset size and customization


Flat Fee for asset management (reviewed annually)

Download Our Game
Changing E-Books Today

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From Budgets To Taxes To Retirement Our E-Books Will Change Your Life

  • 2020 Family Budget Template
  • How To Save Up To $100,000 In Income Taxes
  • 7 Ways To Start Up A Side Hustle
  • Six Money Moves To Make If You Get Laid Off
  • Why The 4% Withdrawal Rule Is Broke

Excited About A Meeting With US?

Check Out Our Highlight Reel

Why have more than 4,000 families made the move to oXYGen? Why does CNBC, CNN, Headline News, and The Wall Street Journal call on us? Take a peek inside some of our highlights…….

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Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. oXYGen Financial is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not provide tax or legal advice.

This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact Kestra IS Compliance Department at 844-553-7872.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. Kestra IS and Kestra AS makes no representation as to the completeness or accuracy of information provided at these web sites. Nor is Kestra IS and Kestra AS liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.