Retirement Strategies Built to Protect What Matters

Specializing in indexed annuities, life insurance, and long-term care solutions — all designed to help you retire with confidence, without risking your principal.

Trusted Insurance and Retirement Professional

Larry V. Wells is an experienced Life, Health, and Annuities Agent with a background in ministry and over two decades in financial services. Formerly named Agent of the Year at Ameri-Life Corporation, he later opened his own successful practice in The Villages. Today, he continues to serve clients with personalized, faith-driven insurance and retirement guidance from his home office.

Our Services

We help you protect your retirement with secure, reliable, and personalized strategies.

Retirement Planning

Covers strategies to ensure income in retirement, often highlighting annuities.

Annuities

Dedicated page explaining fixed, indexed, variable annuities, pros/cons, and suitability.

Life Insurance

Breaks down term, whole, and universal life insurance. Could include beneficiary planning.

Long-Term Care Insurance

Educates on protecting assets from future healthcare costs.

Income Planning

Shows how annuities and other tools provide steady income streams in retirement.

Wealth Protection & Risk Management

Discusses using insurance to mitigate risks like market volatility or premature death.

Estate Planning Strategies

Explains insurance and beneficiary tools in legacy planning; no legal services.

Social Security Planning

Often paired with annuities and retirement planning for optimal claiming strategies.

Medicare & Supplemental Insurance

Helpful if they also assist with navigating Medicare options.

Our Retirement Planning Process

We guide you through simple, secure steps to help you protect your future and enjoy peace of mind—without taking unnecessary risks.

Understand Indexed Annuities

Learn how indexed annuities offer steady growth potential while protecting your principal—so you can plan your retirement with confidence and zero market risk.

Explore Life Insurance Benefits

Understand how life insurance can do more than provide a death benefit—offering tax advantages, cash value, and supplemental income for retirement.

Plan for Long-Term Care

We help you prepare for future healthcare needs with smart, affordable long-term care solutions that safeguard your savings and protect your dignity.

Risk-Free Retirement Plan

Our signature planning approach focuses on preserving your principal while generating reliable, consistent income. No risk. No loss. Just lasting peace of mind.

Success Stories

We’ve helped clients retire confidently with risk-free strategies like indexed annuities, life insurance, and long-term care—offering protection, peace of mind, and principal security.

"If you want an honest agent Larry is your guy. I have been with Wells Financial over ten years and I can say when the market moves every which way I have never lost a penny. I am in index annuities and when the market is behaving itself I make money. When it crashes my accounts lock in. Highly recommend"

Frank

"If you are looking for great service then Wells Financial is just the company to work with. You will be well treated. Larry takes the time to listen to your needs. I say you can't go wrong."

Bill

Is Larry Wells the right guide for your retirement planning?

A lifetime of service. A commitment to your future.
With decades of experience in insurance and ministry, Larry Wells brings a personalized, faith-driven approach to retirement planning. From indexed annuities to life insurance and long-term care, he helps clients protect what matters most—with honesty, compassion, and care.

Insights and Resources

Stay informed with our latest articles, market analyses, and financial tips designed to help you navigate your financial journey.