Naples, Florida • Est. 1993
Lo-Ammy Paul

Protection.
Profit.
Peace of Mind.

I help businesses protect their assets, recover hidden government money, and grow, with zero upfront cost. Three powerful solutions. One trusted advisor.

P&C Insurance
Life & Annuities
Federal Incentives
15+ Carriers
En • Es • Kreyòl
30+ Years
15+ Carriers
3 Languages
$0 Upfront
Lo-Ammy Paul, Protection and Profit Advisor, Naples Florida
Your Advisor
Lo-Ammy Paul
Protection & Profit Advisor • Naples, FL
English Español Kreyòl
FL Lic. R002231 • A202082
Independent • No Carrier Bias
15+ Top-Rated Carriers
Zero Upfront Cost on Incentives
Serving SW Florida Since 1993
Federal Incentives Advisory • Powered by Stryde
$2.7 Trillion
in government incentives available to U.S. businesses every year.
Most of it goes unclaimed. My job is to find the money your business already qualifies for and get it into your hands, with zero upfront cost and zero risk. If I don't recover savings for you, you pay nothing.
🏥
Section 125
$700/employee/yr employer savings
🔬
R&D Tax Credits
$10K–$500K+ per year
🏗️
Cost Segregation
100% bonus depreciation thru 2029
💳
Merchant Audit
Recover processing overcharges
🤝
WOTC
$1K–$9,600 per qualifying hire
🏛️
Property Tax Mitigation
Appeal & reduce commercial assessments
Federal Incentives Advisory

Your Business Is Leaving Money on the Table.

Most Florida businesses qualify for multiple programs and never claim them. I recover it on a pure contingency basis.

125
Section 125 Capstone Wellness Plan
$700/employee employer savings. Employees take home $600 more. 1,000+ prescriptions at zero cost at 72,000+ pharmacies. Hospital Indemnity Plan included.
R&D
R&D Tax Credits
Section 174A permanently restored. If your business improves products, processes, or software, you likely qualify, even without a lab coat.
179
Cost Segregation & Bonus Depreciation
100% bonus depreciation restored through 2029. Accelerate deductions on commercial real estate. If you own a building, this can be six figures.
💳
Merchant Account Audit
Most businesses overpay on credit card processing fees. Our audit identifies and recovers overcharges, typically without switching your processor.
WOTC
Work Opportunity Tax Credit
$1,000 to $9,600 per qualifying new hire. Hotels, restaurants, and healthcare groups leave this on the table with every hire.
🏛️
Property Tax Mitigation
Commercial property owners often overpay on assessed values. Our contingency-based appeal process challenges inaccurate assessments and reduces your annual tax burden, with no fee unless we win.
Free Savings Estimate
See What You Qualify For
Sample: 50-employee business, owned property, accepts cards.
Section 125 (50 employees)$35,000/yr
WOTC (10 qualifying hires)$20,000/yr
R&D Credits (estimate)$25,000+
Cost Segregation$40,000+
Merchant Audit$5,000+
Property Tax MitigationVaries
Potential Total Recovery$125,000+
No savings recovered, no fee charged.
Works with your existing payroll and CPA.
IRS-compliant. Powered by Stryde.
Run My Free Calculator → Or call Lo: 239-732-5740
Lo-Ammy Paul
30+ Years in Naples
About Lo-Ammy Paul

Protection & Profit Advisor.
Naples by Choice. Community Builder.

Lo-Ammy Paul is a native of Haiti who immigrated to Miami in 1985 and made Naples his home in 1991. He graduated from high school in Naples, got married here, raised his children here, and built his business here. He founded MainStreet Insurance & Financial Services in 1993 with one belief: your protection and peace of mind is the only business worth being in. More than 30 years later, that has not changed.

As an independent agency owner and federal incentives advisor through Stryde, Lo serves families and business owners across South Florida with fluency in English, Spanish, and Haitian Creole, a natural reflection of the community he came from and the one he has built his life in. He is deeply rooted in Naples through faith, music ministry at Golden Gate All Nations SDA Church, and mentorship through the Bayshore Gentlemen's Club program he founded.

Lo’s personal motto: "Hard Work Never Fails."

FL License R002231
Dept. of Financial Services
FL License A202082
Dept. of Financial Services
Miami Dade College
B.B.A., Business Administration
Stryde Partner
Federal Incentives Platform
Client Reviews

What Naples Families Say

★★★★★

"Always such a great service whenever I need anything on my insurance and always finds a way to make it all work!"

Danielle Krivda
Naples, FL • MainStreet Insurance client
★★★★★

"I met Lo over 15 years ago shortly after I moved to Naples. Whenever I have a friend who needs advice on insurance or financial matters I refer them to Lo. You won’t regret it."

Ken Morrow
Naples, FL • 15+ year client
★★★★★

"Outstanding customer service. Lo Paul is always very helpful and answers any questions or concerns that I may have."

Fanette Leriche
Naples, FL • 2+ year client
★★★★★

"Mainstreet insurance has been my homeowners insurance agent in the Naples area for the past five years. Owner Lo is truly an insurance agent who cares about his clients."

Levy Deoliveira
Naples, FL • 5+ year client
★★★★★

"I am very impressed with the customer service and knowledge of insurance at Mainstreet Insurance. Highly recommend Lo and his team."

Nephie Alcy
Naples, FL • MainStreet Insurance client
★★★★★

"Lo Paul is a good listener with excellent communication skills. His ability to give proper quotes and feedback is very honest."

Naples Client
Naples, FL • Homeowners Insurance Naples

Ready to Protect What Matters Most?

Talk to Lo directly. No call center, no hold music. Just honest advice from an advisor who’s been doing this for over 30 years.