From Retail Grind To Family Focus
After more than 20 years in retail management and night classes, we grew tired of being overworked and underpaid. In 2018, we earned an insurance license, choosing to serve families instead of corporate targets. That decision turned into Simple Solutions Financial Services, LLC, a Memphis-based, fully remote agency that has helped families to protect their income, homes, and futures with clear, budget-friendly life insurance and financial strategies.
Insurance Guidance Built on Trust
We are a family-owned, Black-owned life insurance and financial services agency based in Memphis and serving nearly every state. Our licensed agents focus on people first, not products, slowing down to explain options in plain language. With access to over 50 A+ rated carriers, we compare policies for you, match coverage to your goals and health, and guide you through the process with free policy reviews, virtual consultations, and ongoing support.
Where Values Shape Every Decision
Our culture rests on eight core values that shape how we treat families and support agents. Relationships come first, growth is expected, and we tell the truth even when it is hard. We act like owners, serve our communities, and believe work should be meaningful and enjoyable. Those values guide every mortgage protection plan, every Debt Free Life design, and every conversation with someone seeking a better career path.
Relationships
We listen first, build trust, and put people before policies or profits—always intentionally.
Growth
We invest in constant learning so clients and agents keep moving forward.
Integrity
We stay honest, do the right thing, and take full ownership daily—always accountable.
John Clayton
Founder & Lead Consultant
John Clayton spent more than two decades in retail management before deciding his time and energy should go toward something more meaningful, helping families protect what they work so hard to build. While taking college classes at night and juggling long hours, he saw firsthand how many people were overworked, underpaid, and one crisis away from financial trouble.
In 2018, John earned his insurance license and began building Simple Solutions Financial Services, LLC in Memphis. Since then, he has helped guide over 7,500 families toward life insurance, mortgage protection, and debt elimination strategies that fit real budgets.
John's role today is simple, he listens, teaches in plain language, and designs clear plans that clients can feel confident about. He also mentors agents who want a career with purpose, ownership, and room to grow.