Cave Financial (CF) has extensive experience analyzing life insurance policies and a client’s financial fitness.  Mike Cave has first hand experience as a career insurance agent for 15 years from 1978 until 1993.  He knows how to get good insurance value in the marketplace. Mike is sensitive that each excessive dollar spent on insurance is one less for debt repayment, funding Roth IRA's, or building emergency funds, and that commission-base compensation often undermines the best recommendations for clients. CF offers truly independent analysis and advice to evaluate your life insurance policies (current or proposed) without earning a commission from a financial institution. Life Insurance Checkup is done for a cost-effective client-paid fee.

Mike Cave, the owner of Cave Inc., has been married 20 years to Beth and they have a proven track record of living within their income in raising and caring for their seven children who currently range from college age to elementary school age. They offer sound biblical principles in establishing financial priorities and know firsthand the importance of honoring God with the tithe as well as properly managing household and family expenses.

Analysis & Planning Services:

• Determine insurance coverage for families and whether current policies are the right amount, type, and with a cost effective carrier. 
• Counsel clients how to effectively track household expenditures, setup a budget, control spending and eliminate credit card debt and other types of debt.
• Provide a plan to achieve being debt-free and to enable more giving.
• Analyze a client’s financial fitness relative to assets, debt load, cash reserves and whether a client is a candidate for systematic long-term investing
• Assist clients with estate planning- reviewing Wills, titling real estate and other property, arranging beneficiaries, management of assets after death for spouse, etc.