Independent guidance, held to a fiduciary standard.
Rameyance Financial Group provides insurance, healthcare, and tax planning for Alabama families and business owners — with every recommendation built around your interests, not a sales quota.
As a fiduciary, I’m legally and ethically bound to act in your best interest — not an insurance company’s. That’s not a slogan. It’s a standard.
A fiduciary. A single point of contact. No sales quota.
Jonathan Henderson is the Principal, Managing Member, and a fiduciary consultant of Rameyance Financial Group LLC, an independent financial services firm serving families and business owners across rural Alabama and the greater Auburn area.
Rather than sending clients to a different specialist for every need, Jonathan works as a single trusted advisor across insurance, healthcare, and tax planning — so decisions are made with your full picture in view, held to a fiduciary standard at every step.
- — Principal & Managing Member, Rameyance Financial Group LLC
- — Independent Fiduciary Consultant
- — Active PTIN P02172184
- — National Producer Number (NPN) 21485342
Every service tied to protecting what you've earned.
Each service is offered on its own — or combined into a single plan built around your full financial picture.
Life & Protection Insurance
Coverage built around your actual health, family, and budget — not a generic quote.
- Term Life & Whole Life
- Indexed Universal Life (IUL)
- Long-Term Care Coverage
- Cancer & Terminal Illness Coverage
Health & Ancillary Benefits
Everyday coverage that protects your health, not just your emergencies.
- ACA Health Plans
- Dental, Vision & Hearing
- Health Supplements
Tax & Fiduciary Consulting
Planning held to a fiduciary standard, not tied to a single product line.
- Tax Preparation & Planning
- Retirement Planning
- Fiduciary Financial Consulting
Specialized consulting built for the construction trades.
Beyond insurance and tax planning, Jonathan works directly with contractors and 1099 tradesmen to control premium costs, manage jobsite risk, and stay compliant year-round.
Workers’ Compensation Premium Audit Prep
Insurance carriers audit contractors every year at policy renewal — a misclassified worker or a missing Certificate of Insurance can trigger a massive surprise bill. This review happens before the auditor arrives.
- Payroll & job classification review
- W-2 vs. 1099 worker classification
- Certificate of Insurance (COI) organization for all subcontractors
- Pre-Audit Prep Fee: $350–$600 flat, per annual audit review
- Savings Contingency Model: $250 upfront + 15% of audit savings
Contractor Loss Control & Risk Consulting
On-site safety walkthroughs and written hazard reports — backed by Construction Ready 8 credentials — to catch risks before they become claims or citations.
- 45-minute jobsite walk-through with hazard photos
- Written corrective hazard report
- OSHA-compliant safety binder & toolbox talks
- Single Jobsite Audit: $350–$500 per visit, includes written report
- Monthly Risk Retainer: $1,000–$1,500/month — 2 site visits + weekly safety talks
Construction Tax & 1099 Compliance
Clean bookkeeping, proper W-9 collection, and maximized Schedule C deductions for contractors and 1099 tradesmen, filed under an active PTIN.
- 1099-NEC & W-9 file verification
- Mileage, tools & equipment deduction review
- Schedule C & Form 1040 e-filing
- 1099 & W-9 File Audit: $200–$350 flat fee
- Schedule C Tax Return Prep: $300–$600 per annual filing
The EGO Framework — how every client relationship is built.
A simple, honest process behind every recommendation we make.
Earn
As a fiduciary, earning your trust isn’t optional — it’s the standard we’re held to before any product is recommended.
Gap
We identify the gap between where your coverage and finances are today, and where they need to be.
Outcome
We deliver a clear outcome — a plan you understand, built for your family or business, not a sales quota.
Let's talk through your options — no pressure, no obligation.
Reach out directly, or send a few details below and Jonathan will follow up personally within one business day.