Protect Your
Family. Build a
True Legacy.
Forged Financial Group delivers white-glove financial protection — life insurance, annuities, IUL, and advanced planning — tailored to every stage of life. Independent, unbiased, and always in your corner.
Who We Are
Built on Trust.
Driven by Results.
Austin Cox founded Forged Financial Group with one mission: give every American family the financial protection and planning once reserved for the wealthy. As a fully independent advisor, Austin is never tied to a single carrier — he shops the entire market to find what genuinely works for your life, your goals, and the people you love.
Austin's Specialties
Complete Financial
Protection & Planning
Areas of particular focus and experience — covering every stage of life, at every income level.
Carrier Partners
20+ Top-Rated
Insurance Carriers
Access to the industry's most trusted carriers means we can always find the best rate and product for your unique situation. Not all carriers available in every state.
Licensing & Credentials
Verified. Licensed.
Credentialed.
All credentials verified through Agency Supreme. Licensed to serve clients across 9 states with a Life line of authority.
Client Stories
Real Families.
Real Results.
I had $846,000 sitting in a 401(k) that I'd spent 22 years building — terrified to touch it because I knew the IRS was waiting for their cut. Austin did a full projection and showed me I was on track to hand over nearly $280,000 in taxes at retirement. We rolled it into a Fixed Indexed Annuity. My money is now now earning a guaranteed rate, fully protected from market crashes, with income locked in for life. That conversation changed my retirement completely.
Austin built me an IUL that replaced what I was putting into my 401(k). Same money going in every month — but now it grows tax-free, I can't lose principal when the market drops, and I can access it anytime. Three years in and I've never looked back.
I'm 58 and thought it was too late to change my retirement strategy. Austin showed me a projection where even starting now, the IUL beats my 401(k) after-tax income by over $180,000 over 20 years. We started immediately. I wish I had done this at 40.
Stephanie found me a fixed indexed annuity that my bank couldn't come close to. I'm 61, retiring next year, and for the first time I know exactly what my income looks like every single month for the rest of my life. That peace of mind is worth everything.
Called about term life and left with a complete financial plan — IUL for retirement, term coverage for right now, and a trust for my kids. Austin treats you like family. I've sent five people his way. All five are now clients.
I never knew my 401(k) was a tax time bomb until Austin laid it out side by side. I'm a contractor — no employer match, no pension. The IUL gave me my own pension. Market goes up, I gain. Market crashes, I don't lose a dime. This is the best financial move I've ever made.
Your Advisors
People You Can
Count On
Austin founded Forged Financial Group to give every American family access to strategies once reserved for the wealthy. Licensed in 9 states. Specializes in IUL, annuity structuring, mortgage protection, and legacy planning.
Stephanie's clients say she's the first advisor who ever truly showed them where their money was going. Deep expertise in life insurance, IUL income strategies, annuities, and estate planning.
Wealthy Americans Are Quietly Moving Their Money Here
86% of Americans have a 401(k) or IRA. Most don't realize those accounts are loaded with future taxes they haven't paid yet. The most sophisticated investors solved this problem decades ago — with a strategy most financial advisors have never mentioned.
Ted Benna created the 401(k) in 1978. He never intended it to be America's primary retirement vehicle — just a supplement. Now he has regrets. Here's why:
A properly structured IUL (Indexed Universal Life) policy used as a retirement vehicle. IRS-approved under tax code sections 7702 and 101(a). Here's what you get:
Side-by-Side Comparison
A Bakersfield business owner rolled his entire 401(k) into a Fixed Indexed Annuity. His principal is fully protected, he earns guaranteed market-linked growth, and he has locked in a retirement income stream he cannot outlive.
This Strategy Has Been Used for Over 100 Years
The wealthy have always known about this. They just never advertised it.
Maximize Your Retirement in 3 Simple Steps
We review your 401(k), IRA, or TSP and show you exactly how much you're on track to pay in taxes at retirement — down to the dollar.
We run your numbers through a projection comparing your current path to a Tax-Free IUL. You see the difference in real dollars — after-tax income, death benefit, and lifetime savings.
We identify the best 1–3 carriers for your situation from 20+ options, handle the application and setup, and stay with you as your advisor for life. Most accounts are active in 2–4 weeks.
Your Questions Answered
Find Out If a Tax-Free IUL
Is Right for You
In one free session, we will show you your exact retirement tax projection and what a Tax-Free IUL changes. No pressure. Any age, any stage.
Take the First Step
Your 401(k) Has a Tax Bill
You Haven't Seen Yet.
In a free 20-minute strategy session we will show you exactly how much you are on track to pay in retirement taxes — and what a Tax-Free account changes. No pressure. No obligation. Any age, any stage.
