Life Keeps Changing.

Is Your Life Insurance

Keeping Up?

Personalized Solutions For You.


Policy Types Vary

Policy features, benefits, rider's and underlying policy assumptions and guarantees vary widely from one insurance company to another. This can make it difficult to make an apple to apples comparison. You should also consider the insurance company ratings, and their claims paying ability.

Save Time And Let Us Help You Make Sense Of It All.

Term Life

Feature a much higher death benefit on a comparative premium basis than other types of polices. Premiums are low, and may be best for those who need to maximize coverage over a specified number of years. Some policies provide premium guarantees for as long as 40 years.

Universal Life

These types of policies have built in cash value. However it is important that you understand the key underlying policy features and the difference between polices that are guaranteed, interest sensitive or variable.

Indexed Life

Policy features include cash value that is often tied to a market index. It can provide coverage over a long period of time, and protect cash value during periods of market volatility. It is important to understand how your policy will live up to it's promises if it were to ever run out of cash value.

Whole Life

Cash value policy. Premiums are typically higher than other types of policies when comparing one against the other. This type of policy may be beneficial under certain circumstances where there is a desire to grow cash value, and also maintain lifetime coverage for estate planning purposes.

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Find Your Ideal Plan

We understand that all individual and family needs are different, and that's why we offer consultative services to help you pick the best life insurance coverage for your needs.

How It Works.


We review your current need and purpose for insurance. If you need additional coverage we help you determine the appropriate policy amount and type, and provide you with proposals from some of the best insurance companies in the marketplace.


If you have existing coverage we review in-force policy documents and analyze premiums, policy benefits, policy provisions, guarantees and other provisions.


We base our findings on the data. Your needs are evaluated against policies you own. We then make recommendations if a change in coverage or type of insurance is warranted.

Current Policy Is Performing

Our analysis may show that your existing policy is performing as expected or better. If your needs have not changed, you benefit from having peace of mind and our work is done. You should keep your current policy and consider purchasing additional coverage if you need it. Depending on your policy you may be able to stop paying premiums while retaining all or most of the benefits.

Current Policy Is Not Performing

If your existing policy is not performing as expected or if your needs have changed - we work with your current insurance company to determine if a premium and/or benefit increase or decrease can help you reach your goal.

Consider Alternatives

If appropriate, we consider alternatives other than your current coverage. We review proposals from various insurance companies along with additional insurance coverage options. We then help you understand and evaluate your options based on the criteria that is most important to you.

Partial List Of Companies We Partner With

As an independent agent, we have the freedom to collaborate with some of the finest insurance companies in the nation.

Who We Are

John Koshy AIF ®, CRPS®, CLTC®

Managing Partner

Symphony Retirement Partners, LLC

(512) 337-8060 | Office

Symphony Retirement Partners, LLC is a registered investment advisor, committed to acting as fiduciaries. We prioritize transparency and our clients' best interests.

With over three decades of experience as an advisor since 1989, I have provided counsel on estate, retirement, and investment planning issues for successful individuals and families.

My streamlined process revolves around understanding your financial needs, concerns, and long-term objectives. I then assist you in creating, evaluating, and executing a tailored solution that specifically caters to your unique circumstances.


What sets your service apart from others?

Through personalized service, our clients can expect customized insurance plans that cater to their specific requirements, ensuring that they have appropriate coverage while avoiding unnecessary expenses. You get to speak to a real human being instead of a robot which allows for better communication and understanding. This enables us to promptly address any concerns or queries, resulting in greater satisfaction. Ultimately, we hope to empower our client's with greater control, peace of mind, and a sense of being genuinely cared for.

Is there a cost for your services?

There is no cost to you for the time we spend in performing research and analysis, or for insurance policy design, policy reviews or proposal development. You have this guarantee irrespective of whether you purchase additional coverage or not. We emphasize this because your situation may not be best served by purchasing a new policy - and all that should be done is to have your existing policy amended. We are transparent in our approach and are focused on acting only in your best interest.

How do you get paid?

When it comes to insurance products, we are compensated directly by the insurance company you select to be your insurance carrier. You will never receive a bill from us.

Can you tell us about your experience?

Insurance consulting services are provided by John Koshy who is licensed as an insurance agent, and has been providing insurance consulting services since 1989.

How are services provided?

All services are provided on a virtual basis. This may include telephone, email or an online meeting.

Can you provide assistance with other types of insurance?

Yes, in addition to life insurance, we provide policy review, proposal and consultative services related to disability income and long term care.

Does your firm provide additional services besides insurance?

We help people plan for financial independence / retirement. Click here to learn more.