# Book a Consultation with Sharon | Lighthouse Legacy > Call or text (501) 516-9456 or book a free consultation online with Sharon Donovan. Phone or video, evenings available, no product presented. Canonical page: https://lighthouselegacystrategies.com/contact # 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@ wealthwave.com 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. ### What to have handy Useful, not required. The more of this you have, the more specific the written summary can be. - Your benefits summary from work, or your FERS and TSP statements - Any life insurance or annuity policy documents you have - Your Social Security benefit estimate, if you have pulled it - A rough monthly budget, even an estimate - For owner-operators: your truck note and mortgage balances - Nothing at all is also fine. We will start with what you know. ## 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 ### How do I book a consultation? 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. ### Is there a cost for the first call? 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. ### What happens on the first call? 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. ### How long does the first call take? 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. ### Do you meet in person or by phone? 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. ### Where are you located? 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. ### What if I live in a state you are not licensed in? 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. ### Do I need documents ready before I book? 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. ### How quickly will you respond? 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. ### Can I get an appointment outside normal business hours? 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. ### Will I be sold something on the first call? 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. ### Who will I actually speak with? 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. ### Can I call or text instead of using the calendar? 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. ### What if I already have an agent or a policy? 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. ### Can I bring my spouse? 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. --- Lighthouse Legacy Strategies, the independent insurance practice of Sharon Donovan, a licensed life insurance and annuity agent in Arkansas, Missouri and Texas, based in Little Rock, Arkansas. Retirement income planning, annuities, life insurance and IUL with living benefits, final expense and mortgage protection. Sharon Donovan (501) 516-9456 (call or text), sharon.donovan@wealthwave.com. By appointment, including evenings. Most consultations happen by phone or video. Important disclosures: Lighthouse Legacy Strategies is an independent insurance practice. Sharon Donovan is a licensed insurance agent (NPN 18170848) in Arkansas, Missouri and Texas. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. Not affiliated with any government agency. Full set: https://lighthouselegacystrategies.com/disclosures Powered by [Launch Automation](https://launchautomation.ai/websites/)