Oregon's Independent Insurance Agent · Licensed Since 2018

Finally, One Advisor
for Every Stage of
Your Financial Journey.

Get personalized guidance tailored to you — without feeling overwhelmed. Rodney brings 30+ years of business experience and a trusted network of specialists across Medicare, Social Security, life insurance, and estate planning — all in one place.

30+ Years of Experience
50+ Top-Rated Carriers
100% Independent Advice
25+ States Licensed
RSSA® Certified Licensed Since 2018 Oregon-Based · Nationwide
Rodney Cummings – Independent Financial Advisor

Rodney Cummings

Independent Advisor · OR Lic. #18847712

RSSA® Certified

Comprehensive financial protection under one trusted roof — no quotas, no bias.

  • Medicare & Supplement Plans
  • Social Security Optimization
  • Life Insurance & Annuities
  • FICA Contribution Reduction
  • Estate Planning & Trust
  • Life Settlements
  • Group Health & Dental
  • Remote Care Solutions

Oregon License #18847712  ·  Based in Oregon, Serving Clients Nationwide

Comprehensive Services

Every Financial Solution
Under One Trusted Roof

From your first Medicare question to your final estate plan — Rodney handles it all, so you never have to start over with a stranger.

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For Individuals

Medicare (T65)

Navigate Medicare with confidence. We compare Advantage plans, Supplements, and ancillary products across dozens of carriers to find your ideal fit.

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For Individuals

Life Insurance & IUL

Final expense, term life, and Indexed Universal Life policies from a wide carrier portfolio. Tax-advantaged protection designed to last a lifetime.

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For Individuals

Annuities & Retirement Income

Fixed Index Annuities with guaranteed income riders, MYGAs, and QLACs. Turn your savings into income you can never outlive.

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For Businesses

FICA Tax Reduction

Our Ignite Health program helps businesses legally save up to $620 per employee annually in FICA payroll taxes — fully IRS-compliant, $0 cost to implement.

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For Businesses

Group Health & Dental

Multi-carrier health and dental plans for small businesses. Attract great employees while keeping benefits costs predictable.

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For Businesses

Remote Care

Telehealth solutions for physicians, clinics, and hospitals. Generate $40–$120/patient/month in CMS reimbursements — powered by RemoteCareToday.com.

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For Individuals

Estate Planning

Protect your legacy with attorney-approved documents through Trust & Will. Wills, trusts, directives — simple, affordable, done right.

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For Individuals

Social Security (RSSA®)

Claiming too early could cost you over $100,000 in lifetime benefits. Our RSSA® analysis finds the optimal strategy for clients 61+.

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For Individuals

Life Settlements

Own a policy you no longer need? Sell it on the secondary market for up to 4–8× the cash surrender value — real money, right now.

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See All Services in Detail
For Business Owners

Your Business Could Be Overpaying the IRS by $40,000+ Per Year

  • IRS-approved strategy — no risk, no gimmicks
  • Businesses with 5–500 employees save an average of $620 per employee per year
  • See your exact savings in 60 seconds — no appointment needed
$40K–$80K
Typical annual FICA savings
for qualifying businesses
100% IRS Compliant
Section 125 Cafeteria Plan
Free Live Webinar

Turning 65? Don't Guess on Medicare.

Join Rodney for a free 60-minute Medicare Masterclass — live every Thursday at noon. Learn what plans cost, what they cover, and how to avoid the 5 most expensive enrollment mistakes.

Every Thursday · 12 PM Pacific 100% Free · No Sales Pressure Online — Attend From Anywhere
Save My Free Seat

Spots fill up fast — register now

Our Brokerage Network

The Strength of a National Network.
The Care of a Local Advisor.

1 Million+
Families Helped
$150 Billion
Life Insurance In Place
$800 Million
Premium Sold Per Year
29,000+
Professional Agents
Our Carrier Partners

Access to Dozens of Top-Rated Carriers

As independent advisors, we're not tied to any one company. We compare the nation's leading carriers to find the right fit for your unique situation.

Medicare Carriers

AetnaHumanaUnitedHealthcareCignaAnthem / BCBSWellCareMutual of OmahaMolina Healthcare

Life Insurance, IUL & Final Expense

Mutual of OmahaTransamericaForesters FinancialAmerico

Fixed Index Annuities

AtheneNationwideF&G (Fidelity & Guaranty)

Ready to find the right carrier for your needs?

Get a Free Comparison
In Your Free Consultation

No Confusion.
No Sales Pressure.
Just Clarity.

  • How to enroll in Medicare confidently — even with zero prior knowledge
  • Why going it alone is the most expensive way to make a coverage decision
  • The exact questions to ask that reveal whether your current plan is costing you money
  • How to keep your preferred doctors and specialists after you enroll
  • What an independent, multi-carrier agent can do that a captive agent cannot

Personalized, Not Generic

Your consultation is built around your specific medications, doctors, budget, and health situation — not a one-size-fits-all script.

Local, Oregon Expertise

We know which plans have the strongest Oregon networks, and we monitor every carrier change so your coverage never quietly gets worse.

Annual Reviews Included

We re-evaluate your coverage every open enrollment — because plan benefits change every year, and we make sure you always have the best one.

We Work for You

As independent agents, we compare every available carrier. Our only loyalty is finding what's right for your family — not what pays the highest commission.

Rodney Cummings — Founder & Lead Advisor, Legacy Wealth Services

Rodney Cummings

Founder & Lead Advisor

OREGON LIC. #18847712

Meet Your Advisor

Hello! I'm Rodney.

With 30+ years of business experience and a license earned in 2018, I've built my career on one belief: every Oregon family deserves an expert in their corner — someone who knows the products, knows the pitfalls, and genuinely cares about the outcome.

I'm based in Oregon, but serving clients nationwide, and bring deep expertise across Medicare, life insurance, annuities, Social Security, and estate planning. But credentials aren't what define this work. Relationships do.

Married for over 38 years, proud father of two adult children — I understand what's truly at stake in every conversation we have.

My goal is simple: to understand your unique situation and find the right solutions that protect your family, grow your wealth, and secure your future.

— Rodney  ·  Founder, Legacy Wealth Services
30+
Yrs Business Exp.
38+
Years Married
Multi-State
Licensed

Client Stories

What Our Clients Are Saying

Real clients. Real outcomes. See what working with Rodney looks like.

★★★★★

"I was turning 65 and completely overwhelmed by Medicare. Rodney sat with me for an hour — no pressure, no jargon — and helped me choose the right plan. I saved over $800 a year compared to what I almost signed up for."

D

Diane M.

Medicare Client · Portland, OR

★★★★★

"My wife and I were about to start Social Security at 62. The analysis Rodney ran showed us that waiting just 4 more years would mean $340 more per month — for life. That's a six-figure difference. We would never have done the math ourselves."

R

Robert & Carol T.

RSSA Clients · Happy Valley, OR

★★★★★

"I was terrified of outliving my savings. Rodney set me up with a fixed index annuity that guarantees income I cannot outlive. I sleep better than I have in years. I finally feel like my retirement is actually planned."

S

Susan K.

Annuity Client · Gresham, OR

★★★★★

"I have known Rod for well over 30 years — he and his wife are awesome people. He helped me set up my will and trust, and when I had him look at my insurance, he saved me over $115 a month. So very thankful."

T

Teri Bjorkland

Estate Planning & Insurance Client

Ready to write your own success story?

A free 20-minute call could uncover savings, income, or protection you didn't know you had.

Book My Free Review →
No Cost. No Obligation. Ever.

Book Your Free Consultation
with Rodney

Tell us a little about your situation — Rodney will reach out within one business day.

Or call Rodney directly: 503-832-8555

Stay Informed on Medicare & Retirement

Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.