insurance

Insurance & Wealth Planning That Protects, Grows, and Sustains Your Future

At Vini CPA, we do more than just sell insurance — we help you build generational wealth, reduce taxes, and protect your legacy. As your trusted CPA, Realtor, and Wealth Advisor in North Carolina, our team specializes in crafting tax-efficient insurance strategies that align with your financial goals, family needs, and business ambitions.

Life Insurance
For Families & Individuals
Your life changes — and so should your coverage. We guide you through every stage with:
Life Insurance – Term, Whole, or IUL options built around your family’s future
Education & College Funding Plans – grow funds while staying protected
Mortgage Protection & Estate Planning – keep your loved ones secure, no matter what
You get clarity, not complexity — one trusted team helping you understand what fits your financial picture best.

IUL for Children – A Smart Start for a Strong Future

Imagine giving your child a head start in life — tax-free growth, lifetime coverage, and a savings tool in one plan. Our Indexed Universal Life (IUL) policies for children are designed to build a college fund with compounding, tax-deferred growth, provide lifetime protection with flexible premium options, and allow tax-free loans in adulthood for education, home purchase, or business. Give your child more than a gift — give them a financial foundation that grows with them.

Life Insurance for Self-Employed & Business Owners

If you’re self-employed or run a business, your income and your time are your biggest assets. Our CPA-led approach ensures your coverage is tax-smart, compliant, and wealth-building. We offer Term & Whole Life Insurance tailored to protect income and family, Key-Person & Buy-Sell Coverage for business continuity, and IUL and Variable Life Plans that combine protection with investment growth. Every plan is reviewed through a CPA lens — so your premiums, deductions, and withdrawals are optimized for maximum return and minimal tax burden.

Annuities – Guaranteed Income for Life

Looking for steady retirement income you can’t outlive? Our fixed and indexed annuity plans provide lifetime guaranteed income, tax-deferred growth with optional long-term care riders, and flexible payout options for security and peace of mind. Annuities are powerful when structured right — and with our CPA expertise, we ensure they complement your entire financial strategy, not compete with it.

Retirement & Wealth Planning

We design personalized retirement blueprints that integrate:
IUL Insurance for retirement income (tax-free withdrawals)
Annuity income streams to secure lifetime cash flow
401(k) rollovers, Roth conversions, and SEP-IRA planning
Real estate equity integration for long-term wealth balance
We help you transition from earning to enjoying — with zero confusion and complete confidence.

Why Clients Trust Us?

We’re more than insurance agents. We’re Certified Public Accountants, Realtors, and Wealth Advisors who see the big picture. Our holistic approach means every recommendation is tax-optimized for your income bracket, designed to build intergenerational wealth, and regularly reviewed to ensure top performance and protection. With offices serving clients across Raleigh, Morrisville, Cary, Durham, and all of North Carolina, our mission is simple — to help families and businesses grow, protect, and prosper.

Secure Your Financial Future Today

Take the first step toward smarter protection and long-term growth. Schedule a free consultation today at ViniCPA.com and discover how our IUL, annuity, and retirement strategies can work for you. Because your peace of mind isn’t optional — it’s essential.
Your CPA, Realtor & Wealth Advisor for Life.

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