Protect What You've
Worked Hard
to Build.
I'm Christiane Fields — a licensed insurance broker, veteran, and woman who helps families, veterans, and individuals build a real plan — not just buy a policy.
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Soldier. Nurse. Protector.
Now Securing Your Family
My name is Christiane Fields. I served over nine years in the United States Army — including years as a single parent in uniform, balancing the demands of military life with the responsibility of raising a child on my own. That experience taught me more about resilience, sacrifice, and what it truly means to protect what matters.
Before financial services, I was also a nurse. In that role, I learned to care for people at their most vulnerable — to listen carefully, explain clearly, and make sure they had everything they needed to be okay. That same instinct to care, protect, and educate is at the heart of everything I do for my clients today.
My path into financial services was shaped by a deeply personal moment. After marriage, I saw up close how a loving, hardworking family had almost no understanding of life insurance — not because they didn't care, but because no one had ever sat down with them and explained it. That gap stayed with me. It became my calling.
I founded C&T Fields Financial because every family deserves a trusted advisor who will take the time to educate, listen, and build a real strategy — not just sell a policy. My goal is simple: when you leave our conversation, I want you to feel certain that you made the best financial decision possible for yourself and the people you love.
"I want every client to walk away knowing they made the best choice possible to secure themselves and the people they love."
— Christiane Fields, U.S. Army Veteran, Former Nurse & Licensed Insurance Broker
Forged by Service
Nine years in the United States Army — including years as a single parent in uniform — taught me discipline, resilience, and what it truly means to put others first. I carry that commitment into every client relationship.
A Nurse's Heart
As a nurse, I learned to care for people at their most vulnerable moments — to listen carefully, explain clearly, and make sure they had everything they needed to be okay. I bring that same care to every financial conversation.
A Personal Wake-Up Call
After marriage, I witnessed firsthand how a loving, hardworking family had almost no knowledge of life insurance. That moment made my mission clear: no family should be left unprotected simply because no one took the time to explain their options.
Confidence Through Education
I want every client to leave our conversation feeling certain they made the best financial decision possible. Not pressured — confident. That starts with honest education and a plan built around your life.
A Strategy, Not Just a Policy
Every service I offer is part of a larger conversation about your life, your goals, and the people who depend on you. Here's how I help.
Life Insurance
Protection that never sleeps.
Term, whole, and universal life insurance solutions designed to protect your family's income and future — no matter what life brings.
Mortgage Protection
Keep the roof over their heads.
If something happens to you, your family should never have to worry about losing their home. Mortgage protection ensures they don't.
Indexed Universal Life (IUL)
Growth with a safety net.
Build cash value tied to market index performance — with downside protection. A powerful tool for tax-advantaged wealth building.
Annuities
Income you can count on.
Guaranteed income streams for retirement. Fixed and indexed annuity options that protect your savings from market volatility.
Retirement Strategies
Plan the life you've earned.
A comprehensive approach to retirement planning that goes beyond a 401(k) — covering income, healthcare, taxes, and legacy.
Legacy Planning
Leave something that lasts.
Ensure your wealth, values, and wishes are passed on intentionally. Legacy planning is about more than money — it's about impact.
Not sure where to start? That's exactly what a free consultation is for.
Products & Services
Built Around Your Life
Every product I offer is a tool — and the right tool depends entirely on your situation, your goals, and your family. Click any product below to learn what it does, who it's designed for, and whether it might be right for you.
The Foundation of Every Financial Plan
Life insurance is not just a policy — it is a promise to the people who depend on you. Whether you are a parent, a homeowner, a veteran, or simply someone who wants to leave things in order, the right life insurance coverage ensures that your family is protected no matter what.
I offer both term life and whole life solutions, and I take the time to explain the real difference between them — not just the price, but what each one does for your family long-term. Together, we find the coverage that fits your budget and your goals.
Key Benefits
- Tax-free death benefit paid directly to your beneficiaries
- Income replacement so your family can maintain their standard of living
- Coverage for final expenses, outstanding debts, and mortgage balance
- Peace of mind that your loved ones are protected if the unexpected happens
- Flexible term lengths and permanent options to match your life stage
Ideal For
- Parents with young children
- Homeowners with a mortgage
- Single parents
- Veterans and active military families
- Anyone who wants to leave something behind
No cost. No obligation. Just an honest conversation about what's right for you.
Keep the Roof Over Your Family's Head
Your home is likely the largest investment you will ever make — and one of the most important things you can protect. Mortgage protection insurance is specifically designed to pay off or cover your mortgage payments if you pass away, become disabled, or face a critical illness.
Unlike standard life insurance, mortgage protection is tied directly to your home loan. It ensures that even if something happens to you, your family does not have to choose between keeping the house and paying other bills. They keep the home. Full stop.
Key Benefits
- Mortgage balance paid off if you pass away unexpectedly
- Monthly mortgage payments covered during disability or critical illness
- Protects your family from foreclosure during a crisis
- Coverage that decreases alongside your remaining loan balance
- Often available with no medical exam required
Ideal For
- New homeowners
- Homeowners with dependents
- Veterans using VA home loans
- Families where one income covers the mortgage
- Anyone who wants their home protected regardless of what happens
No cost. No obligation. Just an honest conversation about what's right for you.
Protection That Grows With You
An Indexed Universal Life policy is one of the most powerful and flexible financial tools available today — yet most people have never heard of it. An IUL provides a permanent death benefit while also building cash value that is linked to a market index, such as the S&P 500, without direct market exposure.
That means your money has the potential to grow when the market performs well, but it is protected from losses when the market drops. The result is a policy that works as both protection and a tax-advantaged savings vehicle — one that can be used for retirement income, education funding, or emergency access.
Key Benefits
- Permanent life insurance coverage that never expires
- Cash value growth linked to market index performance
- A floor that protects your cash value from market losses (typically 0%)
- Tax-deferred growth and tax-free access through policy loans
- Flexible premiums that can be adjusted as your life changes
- Can supplement retirement income without the risk of a 401(k) or IRA
Ideal For
- Individuals who want protection and growth in one policy
- Pre-retirees looking for tax-advantaged savings
- Business owners and self-employed professionals
- Veterans who want more than a basic policy
- Anyone who has maxed out their 401(k) or IRA contributions
No cost. No obligation. Just an honest conversation about what's right for you.
A Paycheck You Cannot Outlive
One of the biggest fears in retirement is running out of money. An annuity is a financial product that solves exactly that problem. You contribute a lump sum or series of payments to an insurance company, and in return, you receive a guaranteed stream of income — either for a set number of years or for the rest of your life.
I work with both fixed annuities (which offer a guaranteed interest rate) and indexed annuities (which offer growth potential tied to a market index with downside protection). Together, we identify which structure gives you the income security and growth potential that fits your retirement vision.
Key Benefits
- Guaranteed income stream that cannot be outlived
- Principal protection — your original deposit is never at risk
- Tax-deferred growth until you begin taking distributions
- Options for spousal continuation so your partner is also covered
- No stock market exposure on fixed products — predictable and stable
- Can complement Social Security and pension income
Ideal For
- Pre-retirees within 5–15 years of retirement
- Retirees who need predictable monthly income
- Anyone concerned about outliving their savings
- Individuals rolling over a 401(k) or IRA
- Veterans seeking stable, guaranteed retirement income
No cost. No obligation. Just an honest conversation about what's right for you.
A Plan, Not Just a Product
Retirement planning is not about picking the right account — it is about building a strategy that coordinates all of your financial pieces into a coherent, sustainable plan. Many people arrive at retirement with a 401(k), some savings, and Social Security — but no real strategy for how to use those resources efficiently.
I help clients understand how their income sources work together, how to minimize taxes in retirement, how to protect against healthcare costs, and how to make sure their money lasts as long as they do. Whether you are 10 years out or already retired, it is never too late to build a better plan.
Key Benefits
- Coordinated strategy across all income sources — Social Security, 401(k), IRA, annuities, and life insurance
- Tax-efficient distribution planning to keep more of what you have saved
- Protection against longevity risk — the risk of outliving your money
- Healthcare and long-term care cost planning
- Clear, written retirement income plan you can actually follow
- Ongoing review to adjust as your life and the market change
Ideal For
- Pre-retirees ages 45–65
- Retirees who feel uncertain about their current plan
- Veterans transitioning out of service and into civilian retirement
- Individuals with multiple retirement accounts who need clarity
- Anyone who wants a real strategy, not just a product
No cost. No obligation. Just an honest conversation about what's right for you.
What You Leave Behind Matters
Legacy planning is about more than money — it is about the values, the love, and the security you pass on to the people who matter most to you. Whether you want to leave a financial inheritance for your children, fund a grandchild's education, support a cause you believe in, or simply ensure your final wishes are honored, a thoughtful legacy plan makes it possible.
I help clients use life insurance and other financial tools to create a legacy that reflects their values — efficiently, privately, and without burdening their family with unnecessary taxes or legal complications. Your legacy is your final act of love. Let's make sure it lands the way you intend.
Key Benefits
- Tax-free wealth transfer to heirs through life insurance death benefits
- Strategies to minimize estate taxes and preserve more for your family
- Charitable giving options that honor your values
- Education funding for children and grandchildren
- Business succession planning for business owners
- Peace of mind that your wishes will be carried out exactly as you intend
Ideal For
- Parents and grandparents who want to leave something meaningful
- Business owners planning for succession
- Individuals with charitable intentions
- Veterans who want to honor their service through their legacy
- Anyone who wants their final chapter written on their own terms
No cost. No obligation. Just an honest conversation about what's right for you.
"Not sure which product is right for you? That's exactly what the free consultation is for."
We'll review your situation together, answer your questions in plain language, and identify the strategy that makes the most sense for your life and your family.
Book Your Free Strategy SessionHow Working
With Me
Actually Works
From the first conversation to the moment your policy is active, I am with you every step of the way. No surprises. No pressure. Just a clear, guided process built around you.
My Promise to You
- You will never feel pressured
- Everything is explained in plain language
- You decide the pace — always
- Your questions are always welcome
- I am here long after your policy is active
Schedule Your Free Consultation
No cost. No pressure. Just a conversation.
Everything starts with a simple, no-obligation conversation. You can book directly through my Calendly link at a time that works for you — evenings and weekends available. There is nothing to prepare and nothing to bring. Just show up ready to talk about your goals.
This call is about you, not about selling. I want to understand your situation, your family, your concerns, and what you are hoping to protect or build. You will leave this call with clarity — even if we decide together that now is not the right time to move forward.
We Review Your Situation Together
Honest assessment. No jargon.
During our consultation, I take the time to understand your full picture — your income, your family structure, any existing coverage you have, your short-term needs, and your long-term goals. I ask questions most advisors skip because the details matter.
I will explain what you currently have, what gaps exist, and what options are available to address them. Everything is explained in plain language. If something does not make sense, we slow down until it does. You will never feel rushed or pressured.
I Research the Right Options for You
Independent. Unbiased. Thorough.
As an independent broker, I am not tied to any single insurance company. That means I shop the market on your behalf — comparing carriers, coverage levels, and premium structures to find the options that genuinely fit your needs and your budget.
I present you with clear, side-by-side comparisons so you can see exactly what you are getting and what you are paying. I explain the trade-offs honestly. My goal is to find the best fit for your life, not the easiest sale for me.
We Build Your Strategy Together
A plan, not just a product.
Once we identify the right coverage, I walk you through a personalized strategy document that shows how your policy fits into your broader financial picture. This is where we make sure everything makes sense — the coverage amount, the premium, the beneficiaries, and the long-term plan.
You will understand exactly what you are getting, why it is the right choice for your situation, and how it protects your family. You will never sign anything you do not fully understand. If you need time to think it over, take it — there is no deadline.
Application & Underwriting
I guide you through every step.
When you are ready to move forward, I handle the application process with you. I guide you through every question, explain what underwriting involves, and set clear expectations for the timeline. Many policies are approved quickly — some even same-day with no medical exam required.
I stay in contact throughout the underwriting process so you always know where things stand. If the carrier requests additional information or a medical exam, I coordinate everything and keep you informed at every step.
Policy Activation & Ongoing Support
The relationship does not end at activation.
Once your policy is approved and activated, I walk you through your policy documents so you know exactly what you have, how to use it, and who to call if you ever need to file a claim. Your coverage is confirmed, your family is protected, and you have a real plan in place.
My commitment to you does not stop at activation. As your life changes — a new home, a new child, a job change, retirement — I am here to review your coverage and make sure it still fits. You will always have a trusted advisor in your corner.
Built for People Who
Deserve Better
I work with people from all walks of life who share one thing in common: they want to protect what they've built and leave something meaningful behind.
Veterans & Military Families
You served this country. You deserve a financial strategy that honors your sacrifice and protects your family's future. I specialize in serving the veteran community.
Women Veterans
As a woman veteran myself, I understand the unique challenges you face. I provide a safe, informed space to build the financial confidence you've earned.
Families
Whether you're just starting out or raising a family, I help you put the right protections in place so your loved ones are covered no matter what.
Homeowners
Your home is likely your biggest asset. Mortgage protection ensures your family never has to leave it if something unexpected happens to you.
Pre-Retirees & Retirees
Retirement should be a reward, not a worry. I help you create reliable income, protect your savings, and plan a legacy that outlasts you.
Individuals Without a Plan
You may have insurance, but do you have a strategy? Many people don't. That's where I come in — to help you understand what you have and what you're missing.
"If you're not sure whether I can help you — let's talk. The consultation is free, and there's never any pressure."
The Difference Between
a Policy and a Strategy
Most people have insurance. Very few have a real financial strategy. Here's what that difference looks like — and why it matters.
A Simple, Honest Process
Discovery Conversation
We start with a no-pressure conversation about your life, your goals, and your concerns. No forms, no sales pitch — just listening.
Strategy Review
I analyze your current coverage, identify any gaps, and present clear options tailored to your specific situation and budget.
Your Custom Plan
Together, we build a strategy — not just a policy. You'll understand exactly what you have, what it does, and why it fits your life.
Ongoing Partnership
Life changes. I stay in touch to make sure your plan evolves with you. You'll always have someone in your corner.
"The best time to build a plan was yesterday. The second best time is today."
— Christiane FieldsReal People. Real Protection.
Every client has a story. Every policy has a purpose. Here are a few of the families and veterans I have had the privilege of serving.
"I'm 78 years old and I served this country proudly. The one thing I wanted was to make sure my home would be paid off and my family wouldn't have to worry. Christiane made that happen. I sleep better knowing my house is protected."
"Christiane took the time to sit down with our family and walk us through everything — what we had, what we were missing, and what we actually needed. We didn't feel sold to. We felt taken care of. That's a rare thing."
Client stories shared with permission. Names withheld to protect privacy.
Become the Next Success Story"My mission is not to sell you a product. My mission is to help you build a strategy that protects your family, honors your hard work, and creates a legacy worth leaving."
Your Free Strategy
Session Awaits
There's no cost, no obligation, and no pressure. Just an honest conversation about where you are, where you want to be, and how I can help you get there.