Built for Independent Producers Who Want Control — Not Noise
A credibility-first IMO for experienced agents who care about comp clarity, lead ownership, and real operational support.
Lead Sources. 1 AI-Powered CRM.
A Complete Operating System for Serious Producers.
Retirement OS™ helps retirement-focused agents generate consistent opportunities, automate follow-up, streamline case design, and scale with structure.
Independently owned. Producer built. Relationship driven.
Private review. No obligation. We'll tell you if it's a fit.
Used by independent producers across life, annuity, and Medicare markets*
*Examples shown. Results vary by producer effort and market.
"I don't want a pitch — I want to see how this actually works."
This Is Built for Serious Independent Producers
We work best with agents who already know how to write business — and want to scale cleanly.
This Is For You If:
- $300k+ annual production (or trending there)
- Life, annuity, Medicare, or hybrid focus
- Licensed, independent, growth-minded
Not For:
- Brand-new agents
- Guaranteed income seekers
- Captive-only producers
How Can We Earn Your Business?
Working in this industry for over a decade, I've learned something simple:
The secret to long-term production isn't contracts.
It's service and systems.
I've had the privilege of supporting agents in real client situations and helping scale agencies from $35M to $167M in annual premium.*
What I've seen repeatedly:
Agents don't struggle because they lack talent.
They struggle because they lack infrastructure.
Retirement OS™ was built to solve that.
Before we ever ask for your contract, we ask:
How can we best serve your growth right now?
*Examples shared for context. Results vary by producer and market.
The Retirement OS™ Framework
4 Vetted Lead Sources
1 AI-Powered CRM
= A Repeatable Production System
A structured environment designed to reduce randomness and increase consistency.
Lead Sources
- • Inbound digital campaigns
- • Outbound prospecting data
- • Referral partnership systems
- • Event-driven opportunities
AI-Powered CRM
- • Automated follow-up sequences
- • Case design workflows
- • Client engagement tracking
- • Production analytics
Systems support execution but do not replace individual effort.
How It Works
Apply for a private review
Submit your production information and goals through our secure application.
We review your production + goals
Our team evaluates whether there's a mutual fit based on your experience and objectives.
You see comp, lead, and support structure
Complete transparency on payouts, lead systems, and operational support before any commitment.
Decide if it fits — no pressure
Take time to evaluate and make the decision that's right for your business.
"I want to evaluate this like a business decision."
Built by Operators. Used by Real Producers.
Multi-State
Producers across multiple states
Multi-Line
Life, annuity, and Medicare specialists
Long-Term
Focus on lasting partnerships
Examples only. No guarantees. Results depend on individual effort and market conditions.
Core Carrier Access
We regularly design and support cases across a diversified lineup including:
Carrier availability varies by state and contracting.
Why This Matters
Product availability and carrier relationships are subject to underwriting standards, state regulations, and individual case review.
10+ Years
Industry Experience
Hundreds of Millions
in Supported Premium
Weekly Training
Live Community
Structured
Carrier Relationships
Support That Actually Saves Time
Case design reviews
Expert guidance on complex cases and product selection
Underwriting follow-ups
We handle carrier communication to keep cases moving
Ongoing strategy calls (optional)
Regular check-ins for business planning and growth
What Agents Are Saying
From LinkedIn Recommendations
"Jamie is professional, trustworthy, and always honors his promises. When I started working with Jamie, we immediately hit it off. He helped design unique cases that elevated my production and confidence. I highly recommend anything he is involved in."
— Gaye Watson, Retirement Specialist
"One of the best partners I've had in this industry. He brings structure, clarity, and real support to agents."
— Jason Bergquist, Retirement Author & Partner
"Honest, direct, and true to his word. Dependable and consistent."
— Scott LaRochelle, Managing Director
"He helped me grow into a confident producer."
— Christopher Campbell, Agent Development Specialist
Testimonials reflect individual experiences and do not guarantee similar results.
Complimentary Marketing Evaluation
We believe in earning your business.
That starts with clarity.
Tell Us About Your Current System
Lead sources, marketing spend, production goals.
We Evaluate Your Gaps
Lead mix, follow-up structure, CRM flow.
Receive a Personalized Growth Plan
Recommended strategy. CRM layout. 90-day roadmap.
Frequently Asked Questions
Lead systems are optional, not required. We offer multiple lead models (inbound, outbound, referral support) with clear costs and ownership terms. If you have your own lead generation or referral network, we fully support that. We're not a lead company — we're an IMO that happens to offer lead options for producers who need them. During your review call, we'll walk through all available lead systems, pricing, and historical performance data so you can make an informed decision.
No forced exclusivity. We understand that experienced producers often maintain multiple carrier and IMO relationships. We'll discuss what makes sense for your specific situation. Some producers consolidate everything with us for simplicity and better comp. Others maintain a hybrid approach. We're flexible.
Typically $300k+ in annual production, but we review each situation individually. If you're trending toward that level with clear growth trajectory, strong fundamentals, and the right mindset, we'd still like to talk. It's not a hard cutoff — it's about mutual fit.
We support life insurance, annuities, and Medicare. Many of our producers are multi-line, but we also work with specialists focused on a single product category.
We provide a clear, written compensation structure before contracting. Your payout depends on your production level, product mix, and relationship tenure. No teaser rates. No surprise overrides. We show you exactly what we earn from carriers and what you'll earn from us — all in writing. During your review call, we'll walk through the specific payout grid based on your actual production and product focus.