One person. One conversation.
No call center, and no form that routes you to a stranger. You are talking to me, and I stay on your file from the first call onward.
Pick a time that works for you
Evenings included. The call is by phone or video, runs twenty to thirty minutes, and nothing is presented for signature. Rather talk first? Call or text (501) 516-9456.
Call, text or email
Call or text Sharon
(501) 516-9456
Usually answered the same day
Email Sharon
sharon.donovan@
Replies within one business day
Book online
Pick a time
Evenings and early mornings available
Hours
By appointment, including evenings. Most consultations happen by phone or video.
Where I am
Based in the Little Rock, Arkansas area. Licensed in Arkansas, Missouri and Texas, and by phone or video anywhere inside those three states.
Verify my license
National Producer Number 18170848. Look it up with any state insurance department before you share anything personal.
Thirty minutes, minute by minute
Here is the actual agenda. There is no presentation, no screen turned around to face you, and no application on the table.
0 to 5 min
Where you are
Income, obligations, dependents, timeline. What you already own and roughly what each piece was set up for. No documents required to start.
5 to 15 min
What you are worried about
The part most meetings skip. Outliving the money, a diagnosis that stops the income, a funeral landing on the kids, a survivor election with a deadline.
15 to 25 min
What your options are
Plain language, trade-offs included. What each tool is good at, what it costs, and the scenario where it is the wrong answer. Nothing is presented for signature.
25 to 30 min
What happens next
You get a written summary of where you stand. If a second call makes sense we book it. If it does not, I will say so, and that is a legitimate outcome.
Four situations I see most weeks
If you recognize yourself in one of these, the call will be useful. If you do not, call anyway and I will tell you honestly whether it is worth your time.
Federal employees
A FEGLI premium that just jumped, a survivor election with a deadline, or a TSP balance that has to become a paycheck.
Healthcare professionals
Group coverage that ends with the job, income that depends on being able to work, and children worth covering while they are young.
Truck drivers
Owner-operators with no safety net and company drivers whose coverage ends the day they switch carriers.
Second opinions
You already own something and want an honest read on it. Bring the illustration or the contract. Replacement is not automatically an upgrade.
How we meet, and how fast I reply
Phone or video
Most consultations happen by phone or video, around shifts and routes. In-person meetings around central Arkansas can be arranged when it helps.
How fast I reply
Calls and texts are usually answered the same day. Email inside one business day. The first available time is typically within a few business days.
Who you actually get
Me, not a call center and not an assistant. You have my direct number from the first conversation and I stay on your file.
Practical answers
Call or text (501) 516-9456, email sharon.donovan@wealthwave.com, or pick a time on the calendar on the contact page. First available times are typically within a few business days, and evenings are available. There is no cost and no obligation attached to booking one, and no product is presented.
No. The initial consultation is free, and so is the written summary you receive afterward. I am compensated by insurance carriers when a client chooses to place a policy through me, not by charging you for the conversation. Nothing about the first call is billable to you.
We cover four things: where you are today, what you are actually worried about, what your options are in plain language, and what happens next. Nothing is presented for signature and no application is on the table. You leave with a written summary of where you stand. If a second call makes sense, we book it then.
About twenty to thirty minutes. That is long enough to understand your situation properly without turning your day into a project. If your situation is complicated, for example a pension election and several policies, I may suggest a second call rather than rushing the first. I will say that at the time instead of quietly running over.
Mostly by phone or video, because federal shifts, hospital schedules and long-haul routes do not fit an office visit. In-person meetings around central Arkansas can be arranged when it helps. Tell me which you prefer when you book.
I am based in the Little Rock, Arkansas area and licensed in Arkansas, Missouri and Texas. Because most consultations happen by phone or video, where you live inside those three states does not matter. Call (501) 516-9456 to set up a time.
Tell me on the first call and I will say so directly. I cannot place insurance business in a state where I am not licensed, and I will not pretend otherwise. If I cannot help you, I would rather say that in five minutes than book a call that goes nowhere.
No. Nothing is required to get on the calendar or to hold the first call. We start with what you know and build from there. If documents would sharpen the conversation, I will name the ones that help and you can send them before a second call. Waiting until you feel organized is the most common reason people put this off for years.
Calls and texts are usually answered the same day. Email is answered within one business day. If you have not heard back within a business day, call (501) 516-9456 directly rather than waiting.
Yes. Evenings and early mornings are normal here, because most of the people I work with are on shifts or on the road. Ask when you book and we will find a time rather than making you take a half day off work for a first conversation.
No. Nothing is presented for signature at the first call and there is no application on the table. The purpose is to understand your situation and give you a written summary of where you stand. If I think a product fits, I say so and explain the trade-offs, including where it would be the wrong answer. Deciding to do nothing is a legitimate outcome.
Me. There is no call center, no lead form routing you to a stranger, and no assistant handling the first call. You have my direct number from the first conversation onward.
Yes. Call or text (501) 516-9456 and use the calendar only if you prefer it. Texting works well for scheduling. Nothing you send goes to a third-party call center.
Bring it. Second opinions are one of the most common calls I take. Bring the in-force illustration for a life policy or the contract for an annuity, and I will read it with you, including the surrender schedule, the caps and the parts that are not in your favor. Replacing existing coverage is not automatically an upgrade, and often the honest answer is to keep it.
Yes, and I encourage it. Decisions about income, coverage and a survivor election rarely belong to one person, and repeating a thirty minute conversation secondhand loses most of it. Video calls make this easy when the two of you are not in the same place.