No appointment needed
Shop it, price it, start it.
Three ways in. Every one of them finishes without talking to anyone.
Protection
Quote it and apply
Real pricing from 40+ carriers, application and e-sign in one sitting.
See protection →Wealth
Grow and draw it down
Portfolios at Schwab, retirement income, 1% per year of assets under management with a $750 annual minimum. Planning is included.
See wealth management →Planning
Buy a plan outright
Flat fees from $750, published, one time. Pay by card and start.
See the plans →The other half of the firm
Insurance protects it. Managing it is the rest of the job.
Rae & Co is a registered investment adviser that also places insurance, not an insurance agency with a planning page. Portfolios sit at Charles Schwab in your name, priced at 1% per year of assets under management with a $750 annual minimum, and the retirement income work is where most of the value actually shows up.
Investments
Held at Schwab, in your name
I never hold your money. Allocation is matched to the goal and the horizon, and rebalancing happens for a reason rather than on a calendar.
Retirement income
Turning it into a paycheck
Withdrawal order, Social Security timing, cash reserves sized so a bad year is not a forced sale, and survivor income if one of you goes first.
The honest limit
When not to hire me
On a small balance the $750 minimum is a poor deal. If that is you, buy a flat-fee plan and invest it yourself. I will say so before you ask.
No appointment needed
Or just tell me what is going on.
If none of the self-service paths fit, write a sentence about what is on your mind. I read these myself and reply personally, usually the same day.
Your advisor
Tyler Krause
Founder & Private Wealth Advisor · U.S. Marine Corps veteran
I built Rae & Co around a simple idea: protect the household first, then organize the money around the life it needs to support.
You work directly with me. One person who answers the phone and coordinates coverage, planning, and wealth decisions together.
40+
leading carriers available through one application
Compare coverage and pricing across leading life insurance carriers without filling out the same information over and over.
Independent access·No single-carrier bias·You see the pricing we see
+ 36 more, all named below
AllianzAmerican Heritage LifeAmeritasAssurityBrighthouse FinancialCincinnati LifeCorebridgeEquiTrustF&GFidelity LifeForestersGerber LifeGreat WesternGuardianLaFayette LifeLiberty Mutual LifeLife of the SouthwestMassMutualNational Life GroupNational WesternNew York LifeNorth AmericanOneAmericaOxford LifePenn MutualPetersen InternationalSBLISagicorSecurianState LifeSun Life FinancialSymetraU.S. LifeUnited Home LifeUnited of OmahaWilliam Penn
That is the complete list, verified against BackNine's carrier roster. Availability varies by product, state, health and underwriting, so not every carrier can write every case, and the quoter shows the ones that can write yours.
Rae & Co Capital is compensated by commission on insurance placed, and permanent products generally pay more than term. That is a conflict of interest and it is disclosed in our Form CRS. Insurance is optional and never required to work with the firm. Availability, pricing and features vary by product, state, health and underwriting.