Question 1

How do I arrange a consultation?

Accepted Answer

Call or text (501) 516-9456, email sharon.donovan@wealthwave.com, or send a request through the form on the contact page. Sharon will contact you to arrange a time directly, usually within a few business days, and evenings are available. There is no cost and no obligation, and no product is presented.

Question 2

Is there a cost for the first call?

Accepted Answer

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.

Question 3

What happens on the first call?

Accepted Answer

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.

Question 4

How long does the first call take?

Accepted Answer

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.

Question 5

Do you meet in person or by phone?

Accepted Answer

Mostly by phone or video, since most consultations happen around shift work, travel or a full calendar. In-person meetings around central Arkansas can be arranged when useful. Tell me which you prefer when you book.

Question 6

Where are you located?

Accepted Answer

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.

Question 7

What if I live in a state you are not licensed in?

Accepted Answer

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 take your business, I would rather say that in five minutes than set up a conversation that goes nowhere.

Question 8

Do I need documents ready beforehand?

Accepted Answer

No. Nothing is required before 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 matter 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.

Question 9

How quickly will you respond?

Accepted Answer

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.

Question 10

Can I get an appointment outside normal business hours?

Accepted Answer

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 get in touch and we will find a time rather than making you take a half day off work for a first conversation.

Question 11

Will I be sold something on the first call?

Accepted Answer

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.

Question 12

Who will I actually speak with?

Accepted Answer

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.

Question 13

Can I call or text instead of using the calendar?

Accepted Answer

Yes. Call or text (501) 516-9456, use the consultation request form, or use the calendar, whichever you prefer. Texting works well for scheduling. Nothing you send goes to a third-party call center.

Question 14

What if I already have an agent or a policy?

Accepted Answer

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.

Question 15

Can I bring my spouse?

Accepted Answer

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.

Let’s start with what matters to you.

Request a conversation

Practical questions

How do we arrange a time?

What should I have ready?

Can we meet by phone or video?