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Million Dollar Baby Strategy: Lock in rock-bottom childhood rates on a permanent plan, allowing cash value to compound tax-free for a massive wealth head start

Childhood Life Plans:

Guaranteed lifelong insurability at low rates, protecting them if they develop a chronic illness later

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Individual Life & Health: Protect a Breadwinner, Personal life and health insurance policies that protect your family independently of your employer

College & Legacy Wealth:

Customized college savings strategies and supplemental retirement accounts to fund your family's future

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Individual Health & HSAs: Assistance setting up High-Deductible Health Plans (HDHPs) paired with tax-free Health Savings Accounts that stay with you forever

Retirement Security:

High-benefit, affordable protection that ensures your family is financially secure and tuition is covered during your critical working years​

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Business Continuity:

Key person life insurance and buy-sell agreement funding to protect your business equity

Owner Retirement Plans:

Build tax-deferred wealth simultaneously with an all-in-one life insurance policy tailored for personal retirement savings

CONTACT

Preschool Classroom Activity
Appletree Financial Partner

(770) 744-3099

(201) 566-4234

Appletree2May@gmail.com

I've Learned the Hard Way, But you don't have to

message from founder   

 

Drawing from two decades in the child care industry,

I deeply understand the complexities of running a successful center.

 

My journey took a dramatic turn when an unforeseen crisis struck my life.

Without a safety net, I faced the painful reality of closing my center door,

which deeply impacted my own family and the child care  families I served.

That hardship sparked a new purpose within me.

 I became a fierce advocate for protecting the protectors.

I refuse to let another child care owner or teacher suffer through the same devastating experience I did.

 

We spend our lives nurturing and protecting young children,

yet we often leave ourselves vulnerable.

Let's have a talk. I’ve learned the hard way, but you don't have to.

Founder of Appletree Financial Partner

Former Child Care Center Owner and Early Educator

Child Care Experience 

Appletree Nature School, NC 

Owner, Lead Teacher 

Appletree Preschool at Hackensack, NJ

Owner, Assistant Director

Appletree Preschool at River Edge, NJ 

Owner, Assistant Director  

Appletree Home Day Care, NJ

Owner

Credential

CDA Preschool (Child Development Associate) 

Member of NAEYC & GAEYC 

May Kim

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