Protect what you’ve built. Prepare for what’s ahead.
Life insurance, income protection, and thoughtful planning for families and business owners — guided by Joe Calhoun, CFP®.
Every family and business has its own formula.
We start by understanding what matters most to you, then build protection around it.
Families & individuals
Making sure the people who depend on you are cared for — through life insurance, income protection, and a clear plan for the future.
Business owners
Protecting the business you’ve worked to build, including key person coverage, buy-sell funding, and planning for what comes next.
Families caring for aging parents
Preparing for the cost of care and the loss of a loved one — so difficult seasons come with fewer surprises and more peace of mind.
Protection and planning, in plain language.
Life Insurance
Coverage designed around your family, your income, and your goals.
- Term and permanent life
- Business and key person coverage
- Buy-sell agreement funding
Disability & Long-Term Care
Your ability to earn and your health are worth protecting.
- Individual disability income
- Long-term care solutions
- Coverage reviews for existing policies
Financial Planning
A CFP® professional’s perspective on how the pieces fit together.
- Protection and risk planning
- Preparing for life transitions
- Coordinating with your other advisors
A simple, unhurried process.
No pressure and no jargon — just clear options and honest guidance.
Conversation
We talk about your family, your business, and what you want to protect.
Recommendation
You receive clear options, explained in plain terms, with the tradeoffs laid out.
Ongoing partnership
As life changes, we review your coverage so it keeps working for you.
Joe Calhoun, CFP®
I've been in financial services since 2009, and I started Formula Financial Partners because the time is right.
Over that time, I've worked at firms of every size, from national wirehouses and asset managers to independent advisory firms and a trust company. I've served clients as an independent financial advisor and insurance agent, and as a firm's Director of Financial Planning, leading the planning work behind client relationships.
Owning my own firm means I control every part of my clients' experience. I work best with people who value expertise. Rather than handing you a menu and leaving every decision to you, I bring you well-considered options and then help put the right decision into action.
This work became personal over the past year. I lost my mother in December 2025 and my father in May 2026. Walking my own family through that season showed me how hard it is, and how much the right guidance matters. Helping families plan for the care and loss of a parent, and for a smooth transition of what they've built, is now at the heart of what I do. You don't need to move your accounts to work with me.
I was raised in Kansas City and still call it home, living here with my wife, Jessica, and our two kids. We love cooking together, traveling the world, and golf. I serve as Financial Planning Chair on the board of the Kansas City Estate Planning Society and on the board of First Tee of Kansas City.
Let’s start with a conversation.
Reach out by phone or email and we’ll find a time that works for you.