An Empowering Protection Plan Beats a Story and Excuse Every Time.

This is not an Empowering Plan.

What We Do

We think of life insurance, long-term care and disability insurance like a healthy lifestyle. Instead of focusing on a single aspect, we focus on all of your needs and how the parts work together in your best interest. We design income protection plans based on your budget and income protection needs.

Pull your head out of the sand and get the security of a plan that fits your needs.

We have been specialists for over 30 years and have plans and options the others simply do not. We consult and never sell. Most insurance agents are taught to oversell the “Cadillac” plan instead of tailoring the right solution for your families needs. That’s ridiculous. Check out our video and learn exactly how we do things and what makes us different.


power of income protection planning


Get the full case study on how we identified the opportunity and executed on the solution.

We have created some sneak peak videos that talk about the various chapters.

Contributing author!

retire with freedom and confidence

Retire with
and Confidence

Advice from Colorado Springs experts on living the lifestyle you deserve.

The information in this book will help you live your golden years with your mind at ease.

Protection Planning Video Library

Protection Planning Introduction

Have a Plan

Funding Options for Extended Care

Kitchen Table Discussion - Aging

Choosing the Right Advisor

What Do We Do Next

What Our Clients Say

Leah Lambros

Tom's knowledge and expertise of his field truly sets him apart. He understands how to clearly convey various options and explains how each would most benefit the individual in their unique circumstance. As a client, I felt confident that I was making an informed decision for not only my current peace-of-mind but also the benefit of my future.

George Romanski

I wanted to personally thank you for giving me the peace of mind that a long term policy brings with it. I understand the importance of what long term care means and
the fact that you personally shared the details with me as far as coverage and terms was very enlightening.

Dan Hines

I give my highest recommendation to Tom. His professionalism, knowledge, and patience since day one is unparalleled. His service made me realize what I had missed from my previous relationship and I am very thankful for his efforts. My experience with Tom was refreshing, painless, and I'm in a far better position!

About Us

tom rasmussen clear solutions

Tom has helped 1000’s of people with life, disability and long-term care planning across the country. He has received top awards for education, management and production. 

Tom advises state legislators and industry experts on long-term care planning issues in the state of CO. and holds the designation of CLTC which classifies him as a certified Long-Term Care specialist.

Learn more »

Check Us Out

New Horizons TV Show

Check out the online TV show
See the shows »

This site sponsored by my
agency Clear Solutions

radio interviewsCheck us out on the Radio

Discussing Income Protection Planning for the second half of life. More Interviews »

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