"Strength and Wisdom, Eternal Prosperity. Your Path to Financial Independence Begins Today"
One Plan. Four Pillars.
The Fortis Legacy Diamond
A structured approach to protecting, growing, and using your money wisely.
About Us
Our Mission
At John Nunes Fortis Insurance Solutions, our mission is to bring clarity, structure, and confidence to your financial life through a coordinated, long-term planning system. We believe true financial success is not built on isolated products or speculation, but on a well-designed strategy that protects income, creates control over cash flow, minimizes unnecessary risk, and builds sustainable, tax-advantaged wealth over time.
Our approach integrates income protection, personal capital strategies, retirement income planning, and intelligent use of existing resources to help clients eliminate inefficiencies, reduce financial drag, and accelerate progress toward their goals. The result is a clear, disciplined plan designed to adapt as life changes—so you can move forward with confidence, purpose, and a legacy built to last.
Every strong financial system starts with clarity.
Before strategies. Before products. Before decisions.
You deserve to understand where you are, what you’re solving for, and how the pieces of your financial life are meant to work together.
That’s why we created a clear starting point — so you’re never guessing, reacting, or moving forward without direction.
The Fortis Legacy Diamond
The Fortis Legacy Diamond is not four separate strategies.
It’s a progression — designed to stabilize first, then grow, then optimize — so every financial decision supports the next.
The Fortis Legacy Diamond is a simple, structured way to think about your financial life as a complete system, not a collection of separate decisions. Instead of focusing on just one area—like insurance, retirement, or debt—it brings everything together so each part supports the others. The goal is to help you protect what you earn, gain better control over your money, plan for a confident retirement, and use your resources more intentionally, all while keeping your plan flexible as life changes. This approach is built around four core pillars—Protect, Bank, Retire, and Leverage—each designed to strengthen the overall system and give you clarity and confidence at every stage of life.
The Four Pillars
I. Protect
Safeguarding the Foundation
of Every Financial Plan
The Protect pillar of the Fortis Legacy Diamond is centered on safeguarding the foundation that supports every financial plan: your ability to produce income. Because life is unpredictable, a well-designed strategy must account for the financial impact that illness, injury, or premature loss can have on a family, a business, or long-term goals.
Protection focuses on creating financial continuity during life’s unexpected events—helping ensure that obligations can still be met and plans can remain intact, even when circumstances change.
Why Protection Comes First
Unexpected life events often force people to:
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Disrupt long-term financial plans
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Drain savings or retirement assets
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Take on unnecessary debt
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Make reactive financial decisions under stress
By addressing risk proactively, the Protect pillar helps provide stability and peace of mind—allowing the rest of the financial system to function as intended.
What the Protect Pillar Is Designed to Do
At its core, protection is about maintaining control when life does not go according to plan. This pillar is designed to help:
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Safeguard earned income
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Provide financial support during serious health events
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Protect families from financial disruption
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Preserve long-term planning strategies
How Protection Is Structured
At its core, the Protect pillar is built around using modern life insurance with built-in living benefits to help safeguard income, protect families, and provide access to financial support during life—not just at death.
This approach allows protection to serve as a stabilizing force within the broader Fortis Legacy Diamond framework.
Preparing for the Next Step
With protection in place to help safeguard income and provide stability through life’s uncertainties, the next step is building a strategy designed to grow, preserve, and distribute wealth efficiently for retirement.
II. Retire
Building Reliable, Tax-Efficient
Retirement Income
The Retire pillar of the Fortis Legacy Diamond focuses on creating a retirement strategy designed to provide long-term income with confidence and clarity. Rather than relying solely on market performance or timing, this pillar emphasizes structure—helping ensure that retirement income is positioned to support lifestyle needs while managing risk and uncertainty.
Retirement planning is not just about accumulation. It is about how money is accessed, how long it lasts, and how efficiently it is distributed over time.
Why Retirement Strategy Matters
Many retirement plans are built on assumptions—market returns, tax rates, or withdrawal timing—that can change unexpectedly. Without structure, these uncertainties can create stress and limit flexibility later in life.
A well-designed retirement strategy helps reduce reliance on guesswork and allows income planning to remain adaptable, even as economic conditions or personal needs evolve.
What the Retire Pillar Is Designed to Do
The Retire pillar is designed to help:
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Create income that is not dependent on day-to-day market movement
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Manage future tax exposure more intentionally
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Provide flexibility in how and when retirement dollars are accessed
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Support long-term income needs without sacrificing control
The focus is on predictability, efficiency, and confidence—not speculation.
How Retirement Is Structured Within the Diamond
Within the Fortis Legacy Diamond, the Retire pillar is commonly structured using strategies that allow money to grow over time with exposure to market opportunity, while incorporating safeguards designed to limit downside risk.
This approach helps balance growth potential with stability, allowing retirement income planning to remain disciplined and resilient across different market environments.
Preparing for the Next Step
Once a retirement strategy is established with greater confidence and flexibility, the focus naturally shifts to how money can continue working efficiently during life—not just for the future, but for opportunities and needs along the way.
That progression leads into the next phase of the Fortis Legacy Diamond, where control, access, and cash-flow efficiency become the priority.
III. Bank
Creating Control, Access,
and Cash-Flow Efficiency
The Bank pillar of the Fortis Legacy Diamond focuses on improving how money is stored, accessed, and used throughout life. Rather than relying solely on traditional banks or outside lenders, this pillar is designed to help individuals gain greater control over their cash flow while keeping money working within their financial system.
This pillar is about efficiency and control, not speculation—ensuring that capital remains accessible when needed without disrupting long-term plans.
Why the Banking Function Matters
Many financial plans grow assets but limit access to them, often forcing people to borrow from outside institutions or interrupt long-term strategies when opportunities or needs arise.
Without control and liquidity, even well-designed plans can become inefficient or restrictive over time.
What the Bank Pillar Is Designed to Do
The Bank pillar is designed to help:
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Maintain access to capital without liquidating long-term assets
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Improve cash-flow efficiency
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Reduce dependence on traditional lenders
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Allow money to remain in motion while supporting long-term goals
The objective is to create flexibility without sacrifice—keeping money working while remaining available.
How the Bank Pillar Is Structured
Within the Fortis Legacy Diamond, the Bank pillar is commonly structured using participating whole life strategies that emphasize liquidity, guarantees, and long-term stability.
When designed properly, this approach allows capital to grow predictably while remaining accessible, supporting both day-to-day needs and future opportunities.
Preparing for the Next Step
Once greater control over cash flow and access to capital is established, the next step is learning how those resources can be used even more efficiently.
That naturally leads into the application of strategic equity leverage, where existing assets are coordinated to accelerate progress, reduce inefficiencies, and strengthen the overall system.
IV. Leverage
Using Existing Assets More
Intentionally
The Leverage pillar of the Fortis Legacy Diamond focuses on using existing resources more efficiently to improve overall financial outcomes. Rather than accumulating additional risk, this pillar emphasizes thoughtful coordination—allowing assets to work in more than one place at a time while maintaining balance and discipline.
Leverage, when applied strategically, is not about speculation. It is about efficiency, acceleration, and alignment within an already structured plan.
Why Strategic Leverage Matters
Many financial plans operate in isolation—assets grow in one place, debts exist in another, and opportunities are addressed reactively rather than intentionally. This often leads to unnecessary financial drag and slower progress.
Strategic leverage helps reduce inefficiencies by coordinating assets and liabilities in a way that supports long-term goals without disrupting stability.
What the Leverage Pillar Is Designed to Do
The Leverage pillar is designed to help:
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Accelerate progress toward financial goals
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Reduce interest-related inefficiencies
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Improve overall cash-flow efficiency
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Strengthen coordination across the entire financial system
The objective is to make existing resources work harder, not to take on unnecessary risk.
How Leverage Is Applied Within the Diamond
Within the Fortis Legacy Diamond, leverage is applied through disciplined strategies that use available equity and cash flow intentionally, allowing assets to support multiple objectives at the same time.
When structured properly, this approach enhances efficiency while preserving flexibility and control—keeping the system balanced and resilient.
Bringing the Fortis Legacy Diamond Together
The Fortis Legacy Diamond begins by protecting income, then builds confidence through structured retirement planning, followed by greater control over cash flow and capital. Finally, strategic leverage is applied to accelerate progress and reduce inefficiencies—bringing all four pillars together into a coordinated financial system designed to create clarity, confidence, and a lasting legacy.
Who the Fortis Legacy Diamond Is For
The Fortis Legacy Diamond is designed for individuals and families who value structure, clarity, and long-term thinking when it comes to their financial lives. Rather than focusing on short-term gains or isolated strategies, this framework is built for those who want a coordinated system that helps protect income, plan for retirement, improve cash-flow efficiency, and build a lasting financial legacy.
This approach may be a strong fit for people who:
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Want greater control and understanding of how their money works
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Prefer disciplined planning over speculation and guesswork
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Are thinking beyond today and planning with future generations in mind
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Value education, transparency, and thoughtful strategy
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Own assets and want to use them more efficiently within a structured plan
The Fortis Legacy Diamond is not designed as a one-size-fits-all solution. It works best for individuals who are open to learning, committed to long-term planning, and interested in building a financial system that aligns protection, growth, access, and efficiency over time.
Testimonials
Christopher N., CA
“What stood out most was the clarity. Before working with John, we had accounts, insurance, and a retirement plan—but nothing felt connected. He helped us see how everything could work together in a clear, structured way. For the first time, we feel confident that we have a plan we actually understand.”
Joshua J., HI
“John never pushed products or rushed decisions. He took the time to educate us and explain how each part of the strategy fit into our long-term goals. That level of transparency made all the difference. We felt respected, informed, and completely comfortable moving forward.”
Brian B., HI
“Working with John helped us rethink how we manage our money and plan for the future. The approach was practical, disciplined, and tailored to our situation. We’re making progress toward our goals and, just as important, we have peace of mind knowing we’re on a solid path.”
FAQ
Why Choose Us?
We take a structured, education-first approach to financial planning that focuses on clarity, coordination, and long-term confidence. Every recommendation is designed to fit within a larger strategy—not as a standalone solution. Our goal is to help clients understand how each decision supports the whole plan, so nothing works in isolation.
What Solutions Do You Offer?
We offer coordinated financial solutions designed to protect income, improve cash flow efficiency, support long-term wealth building, and create sustainable retirement income. Our strategies are organized within a structured framework so each solution complements the others rather than working in isolation. This approach helps clients reduce inefficiencies and make more intentional financial decisions over time.
How To Get Started
Getting started begins with a simple conversation. We take time to understand your goals, current financial picture, and priorities before outlining how a coordinated strategy may fit your situation. From there, we map out clear next steps at a pace that’s comfortable for you.
How To Adjust My Plan?
Financial planning is not a one-time event, and your plan is designed to evolve as life changes. We regularly review progress, reassess priorities, and make thoughtful adjustments to ensure your strategy remains aligned with your goals, income, and circumstances. This ongoing approach helps keep your plan relevant, resilient, and responsive over time.
What Makes Us Unique?
What makes our approach unique is the way everything works together. Rather than offering isolated recommendations, we guide clients through a structured financial system designed to align protection, cash flow, and long-term planning into one cohesive strategy. This coordinated framework brings clarity, consistency, and confidence to every financial decision.
Can I Review My Plan Regularly?
Yes. Regular reviews are an important part of maintaining a well-designed financial strategy. These conversations provide an opportunity to revisit goals, address changes in your life, and ensure your plan continues to align with your priorities over time.
