Empowering Your Financial Future

Unlock wealth optimization and protection with our expert insurance strategies.

Tax Mitigation

Build a Private Cash Reserve!

We understand that everyone has unique goals and aspirations in life. That's why we offer tailored solutions to help you achieve your personal and business financial objectives. Our services cover everything from building wealth for yourself and future generations to ensuring the sustainability and continuity of your business. You can also count on us to help mitigate high taxes, provide simplified and personalized life insurance policies and robust retirement plans that are designed to meet your specific needs. Our team of friendly and knowledgeable experts is always on hand to answer your questions and offer personal advice. So, whether you're just starting out on your financial journey or looking to take the next step, we are here to help. Let us help you turn your goals into reality and protect what you’ve built with our personalized solutions.

Our Approach

Value Proposition

Upstar offers a comprehensive suite of financial and insurance solutions that protect wealth, mitigate business risks, and ensure long-term financial stability. Our deep understanding of both personal and business needs allows us to craft tailored strategies that safeguard assets while helping our clients grow & thrive in an ever-changing marketplace.

Our services

  • Insurance Planning

  • Estate and Legacy Planning

  • Retirement Planning

  • Business Solutions

  • Tax Mitigation

Learn More

Ike Ogike, CF2

Certified Financial Fiduciary®️   President & Founder

At Upstar, we specialize in helping individuals and businesses create foundational asset classes for income protection, wealth optimization, and wealth transfer using innovative insurance strategies.

With deep expertise in both personal and commercialinsurance solutions, we provide tailored services that safeguard assets, mitigate risks, and enhance financial resilience.

Whether you're an individual planning for retirement or a business seeking customized insurance coverage, Upstar delivers scalable solutions to help you thrive in an ever-evolving marketplace.

What Our Clients Say

  • I had the opportunity to work with Ike to set up my retirement accounts. He’s the best there is in the business. He set up everything in a timely manner and was very professional about it. I highly recommend using Ike to set up your retirement accounts if you’re self employed.

    - Dr. Michael Ndukwe

  • My husband and I signed up for a life insurance policy through Ike Ogike, and it has been one of the best financial decisions we’ve made. Knowing that our family is protected brings us peace of mind. Ike is very professional, skilled, and detail-oriented. He was also prompt in responding to calls and answered all our questions thoroughly, ensuring that we understood where our money was going. He helped us secure a policy with affordable premiums, and we are very satisfied with our coverage. Thank you, Ike, for assisting my family!

    - Amy and Magnus Ihemedu

Frequently Asked Questions

Answers To Commonly Questions

  • Insurance planning involves evaluating your insurance needs to ensure that you are adequately covered in the event of unexpected circumstances, such as illness, disability, or death. It helps protect your financial future and your family's well-being by mitigating risks that could lead to financial hardship. Proper insurance planning ensures that you have the right types of coverage and sufficient limits, tailored to your individual needs.

  • The amount of insurance coverage you need depends on several factors, including your income, expenses, debts, and financial goals. Start by calculating the potential financial impact of losing your income or incurring unexpected expenses. Insurance professionals can help assess your situation, taking into account factors like dependents, mortgage payments, and medical needs, to determine an appropriate coverage level.

  • Estate planning involves organizing and preparing for the distribution of your assets after your death. It includes writing a will, establishing trusts, and making decisions about power of attorney and healthcare proxies. Insurance plays a key role in estate planning by helping to ensure that there are sufficient funds available to cover estate taxes, debts, and other costs that may arise, thus preserving the legacy for heirs.

  • Life insurance can be a powerful tool for legacy planning. It provides a tax-free lump sum payment to your beneficiaries upon your death, which can be used to cover estate taxes, provide for loved ones, or fund charitable contributions. It ensures that your heirs do not have to sell assets or take on debt to settle your estate, helping to preserve your legacy and wealth for future generations.

  •  Insurance can play a crucial role in retirement planning by providing financial security against unexpected risks, such as long-term care needs, disability, or death. Products like life insurance and annuities can offer a steady stream of income or serve as a legacy for your beneficiaries, while also protecting your retirement savings from being depleted by unforeseen events.

  • The most beneficial types of insurance for retirement planning include long-term care insurance, which covers the cost of healthcare if you are unable to care for yourself, and life insurance or annuities, which provide a guaranteed income stream in retirement. These can be part of a broader strategy to ensure that your financial needs are met throughout retirement, while protecting your assets and loved ones.

  • Insurance helps protect your business from a wide range of risks, including property damage, liability claims, and employee injuries. Business insurance, such as general liability insurance, workers' compensation, and business interruption insurance, ensures that your business can continue operating even in the event of unforeseen circumstances, providing financial stability and peace of mind.

  • Small business owners should consider a variety of insurance types, including general liability insurance (to protect against lawsuits and claims), property insurance (to cover physical assets), workers' compensation insurance (for employee injuries), and business interruption insurance (to cover lost income during unforeseen events). Additionally, professional liability or errors and omissions insurance may be necessary, depending on the type of business.

  • Life insurance helps protect your business by covering the loss of a key person or providing funds for business continuity, including replacing critical employees or covering operational costs during transitions.

  • A buy-sell agreement is a contract that outlines how ownership of a business will transfer upon an owner’s death. Life insurance is often used to fund this agreement, ensuring that the surviving owners can buy out the deceased owner's share without financial strain.

  • Life insurance can be used in a supplemental retirement plan by providing a tax-deferred cash value that grows over time. Business owners can borrow against or withdraw the cash value in retirement, and it can also offer a death benefit to their beneficiaries, providing added security.

Get started with Upstar, today.