Where Medicare Opens the Door. Everything Else Walks Through It.

4 Core Insurance Marketing is a full-spectrum FMO built by agents, for agents.

We support our partners across 6 verticals — giving you the tools to serve every client need under one roof:

Medicare  ·  Ancillary  ·  Life Insurance  ·  Annuities  ·  Estate Planning  ·  Wealth Management

What We Do

Full Spectrum.
Zero Gaps.

We don't specialize in one lane — we own the entire road. Every product your clients need, every stage of life, all under one roof.

Medicare

MAPD, Medicare Supplement & PDP plans across most major national carriers and regional options. The door-opener that starts every client relationship.

● The Door-Opener
Ancillary

Dental, vision, hearing & hospital indemnity. Natural cross-sell revenue that deepens every Medicare relationship and increases client stickiness.

● Cross-Sell Revenue
Life Insurance

Term, whole life, IUL & final expense. Build long-term client loyalty and referral pipelines while protecting what matters most.

● Long-Term Loyalty
Annuities

Fixed, fixed-indexed & MYGA solutions. Guaranteed income and market volatility protection for retirement clients.

● Guaranteed Income
Estate Planning

Powered by LegacyRx — our DIY platform giving agents a turnkey way to help clients create attorney-crafted, state-specific estate planning documents including Revocable Trusts, Wills, Power of Attorney, and Advanced Healthcare Directives. A natural conversation starter with every Medicare client.

● Powered by LegacyRx
Wealth Management

Holistic wealth & retirement planning through our RIA, Innovative Wealth Management. The full-circle offering that truly sets 4 Core IM apart from every other FMO.

● Powered by Innovative Wealth Management
Our Story

Built From the Inside Out.

Vincent Farasciano
Vincent Farasciano
Co-Founder
26+ Years in the Industry
Joe Violetta
Joe Violetta
Co-Founder
26+ Years in the Industry

We didn't build 4 Core IM to be another FMO. We built it to be the one we always wished existed — one that treats agents like professionals, supports them like partners, and equips them with tools that actually move the needle.

"After a combined 40+ years working inside the captive world, we made the leap to independence. We know every fear, every question, every concern — because we lived it. That's why agents trust us with their transition."

Both Vin and Joe spent decades on the inside at a major captive carrier — leading teams, developing agents, and learning precisely what the industry gets wrong. The skills, the systems, the coaching, the discipline — we earned all of it in the captive world, and we brought every bit of it with us when we made the leap to independence.

That transition is exactly what drives everything we do at 4 Core IM. We took what worked, left behind what didn't, and built a platform designed to help independent agents do what we did — build real agencies, scale with intention, and create something worth owning. If you're ready to stop being managed and start being supported, this is where that starts.

What truly sets 4 Core IM apart is the platform we've built around our agents and agencies. We've spent years developing a suite of tools, technology, and verticals that — combined — create a value proposition we believe is unmatched in the independent space. While most FMOs offer carrier access and an overwrite, we've built something far deeper: six distinct verticals that allow agents to serve every financial need a client has, from their first Medicare conversation all the way through retirement, wealth management, and estate planning.

From our Agent Bionics CRM and proprietary APEX Agency Planner to our Innovative Wealth Management RIA and LegacyRx estate planning platform — every tool we offer was built with one goal: to help you build a real, scalable, sellable business. Scroll down to explore everything we bring to our partners. We think you'll see the difference.

Agent Bionics
AGENT BIONICS
Marketing CRM
All-In-One Marketing CRM — Discounted for 4 Core IM Agents
Manage.
Market.
Close.

Agent Bionics is a full GoHighLevel-powered CRM built specifically for insurance agents. It replaces over 15 separate tools — automating your follow-up, managing your book of business, and keeping you in front of clients 365 days a year without lifting a finger.

Agent Bionics handles the marketing and communication layer of your agency so you can focus on what matters — writing business and serving clients.

Pre-Built Campaign Library
Birthday campaigns — automated client birthday outreach
Holiday campaigns — stay top of mind year-round
T65 campaigns — target turning-65 prospects automatically
AEP campaigns — Annual Enrollment Period blitz sequences
OEP campaigns — Open Enrollment Period follow-up flows
ROY campaigns — Rest of Year nurture sequences
Digital business card — shareable, branded agent card built in
Agency Management Tools
CRM & pipeline management — track every lead and client
2-way SMS & email marketing — communicate at scale
Booking & appointment automation — fill your calendar
Workflow automations — set it and forget it follow-up
Reputation management — automate Google review requests
Website & funnel builder — your agency's digital presence
Call tracking & analytics — know what's working
Gray-labeled mobile app — run your agency from anywhere
What Agent Bionics Replaces
Agent Bionics Feature Comparison
Exclusive 4 Core IM Agent Pricing
Standard retail: $97/mo — Contracted 4 Core IM agents get access at just $67/month
Get Access →
IWM
Innovative Wealth Management
Fiduciary RIA
Registered Investment Advisor — Fiduciary Standard · Series 65 Pathway
Work.
Retire.
Enjoy.

As a Registered Investment Advisor, Innovative Wealth Management is held to the fiduciary standard — legally required to act in your client's best interest at all times, not just recommend "suitable" products. We provide comprehensive, fee-based retirement and wealth planning that goes far beyond a single insurance sale.

Benefits of Becoming an IAR
Comprehensive retirement income planning — Social Security, Medicare, investments & income streams coordinated together
Portfolio management & risk assessment using Nobel-prize winning software Nitrogen
Fee-based fiduciary advice for assets managed in the market — your investment management is held to the highest legal standard
Ability to include Fixed & Fixed Indexed Annuities directly in client proposals — a massive advantage for insurance agents who already sell annuities and want to position them inside a comprehensive fiduciary plan
Estate & legacy planning coordination alongside LegacyRx estate documents
Deeper client relationships — become your client's single trusted advisor for everything
Recurring AUM revenue — build real, compounding wealth management income alongside your insurance book
Steps to Becoming a Fiduciary Advisor
Pass the Series 65 exam — no FINRA sponsorship required, self-study accessible
Register under IWM's RIA umbrella — we handle compliance, oversight & infrastructure
Add wealth management to your existing Medicare & insurance practice seamlessly
Broker / Agent
Suitability standard only
Suitability standard — not legally required to act in client's best interest
Product-driven advice
No AUM recurring revenue
Limited scope of advice
RIA / Fiduciary
Fiduciary standard — legally
Fee-based, no conflicts
Client-first holistic advice
AUM recurring revenue stream
Full retirement planning scope
$30T
Retirement Assets
in the US
1%
Typical AUM
Advisory Fee
S65
Series 65
Your Key
4X
Higher Practice
Valuation w/ AUM
Access IWM →
LegacyRx
LegacyRx
Estate Planning Software
Attorney-Crafted, State-Specific — Available to All 4 Core IM Agents
Protect.
Plan.
Legacy.

"The Script for Your Legacy"
67% of Americans have no estate plan. LegacyRx gives your clients a fast, affordable, attorney-crafted path to protecting everything they've built — and gives you a powerful conversation starter with every Medicare client you serve.

Why It's a Game-Changer for Agents
Deepens client relationships — estate planning opens the door to life, annuity & wealth referrals
Natural Medicare cross-sell — every T65 client needs an estate plan and Healthcare Directive
Advisor-driven platform — you guide clients, strengthening your role as their trusted advisor
Affordable alternative — real legal documents without $3,000–$5,000 attorney fees
Compliant in all 50 states — attorney-approved, state-specific templates
MedAlert Directive Card — scannable wallet card giving first responders instant access to healthcare directives
Will-Based Plan
Last Will & Testament
Health Care Directive
Durable Power of Attorney
HIPAA Authorization
MedAlert Directive Card
Simple estates — fast & affordable
Trust-Based Plan
Revocable Living Trust
Pour-Over Will
Durable Power of Attorney
Health Care Directive
Certification of Trust
MedAlert Directive Card
Avoids probate — maximum privacy & control
67%
Americans Have
No Estate Plan
30%
Family Wealth Lost
to Estate Disputes
50
States
Compliant
Explore LegacyRx →
APEX
Agency Growth & Exit Planner
Proprietary Technology — Included with 4 Core IM Partnership
Build.
Scale.
Exit.

The only platform built for insurance professionals who want to know exactly what their agency is worth — and exactly how to make it worth more.

Model your current agency baseline with real EBITDA inputs
Run unlimited growth scenarios — adjust agents, policies & overwrites
Compare Floor, Base, Growth & Crush It exit scenarios side by side
See your agency value at 8x through 20x EBITDA multiples instantly
Model founder retained equity vs. majority sale scenarios
Generate a PE-ready PDF report branded to your agency
Page 1 — Agency Overview & EBITDA Model
PDF
APEX Report Page 1
Page 2 — Exit Value Matrix & Revenue Analysis
PDF
APEX Report Page 2
🔒 Enter your agency details to unlock your full personalized report
🚀 Access APEX →
🚀 Get Started Free → apexagencyplanner.com
14X
Premium FMO
Multiple
5
Year
Projection
4
Revenue
Pillars
Join Our Team

The Independent Life
You've Been Waiting For.

🌐
National + Regional Carriers

Contrast and compare across most major national carriers and regional options. Always put clients first, always win more business.

● Full Market Access
📋
Holistic Client Model

Medicare, Ancillary, Life, Annuities, Estate Planning — and Wealth Management. Never leave money or clients on the table again.

● 5 Verticals
APEX Agency Planner

Our proprietary platform for growth modeling and exit planning. EBITDA projections, exit value matrices, and an AI advisor — included with your partnership.

● Proprietary Platform
Agent Bionics
Agent Bionics CRM

Our proprietary CRM engineered specifically for insurance agents — not a generic sales tool. Manage your entire book of business in one place.

● Built for Agents
LegacyRx
LegacyRx Estate Planning

Our attorney-crafted, state-specific DIY estate planning platform. Agents help clients create Revocable Trusts, Wills, Powers of Attorney, and Advanced Healthcare Directives — a natural conversation with every Medicare client.

● Powered by LegacyRx
IWM
Innovative Wealth Management

As a Registered Investment Advisor (RIA), we provide fiduciary-level wealth and retirement planning. An RIA is legally required to act in your client's best interest — not a product's. We help agents bring comprehensive financial planning into every relationship, creating deeper client loyalty and significant additional revenue.

● Fiduciary Standard
💡
Built for Agents by Agents
● Been There. Done It.

50+ combined years in the insurance and wealth management space. We know every fear, every question, and your exact path forward — because we walked it ourselves.

Weekly group training — market updates, product deep-dives & sales strategies
One-on-one coaching — personalized support from leaders who've done what you're doing
Field training — ride-alongs and live in-field client support
Online course library — product knowledge, compliance & sales skills on your schedule
Fact-finding mastery — we train you to uncover client needs and solve for solutions, not sell products
Solution-based selling — build trust, retain clients for life & grow through referrals

"We don't just hand you a contract and wish you luck. We invest in your growth the same way we invested in our own."

Ready to Make
the Move?

Book a free 30-minute call with the 4 Core IM team. No pressure, no pitch — just an honest conversation about what independence looks like for you.

Book a Discovery Call
Get In Touch

Let's Talk.

Whether you're a captive agent exploring independence, an independent looking for a stronger partner, or a client seeking holistic guidance — we would love to connect with you.

4 Core Insurance Marketing
📍
35 Nutmeg Dr., Suite M275
Trumbull, CT 06611
📅 Book a Discovery Call
ASK VIN