Risk Management

We will evaluate any gaps in your insurance coverage with an independent approach.

Life Insurance Death Benefit Gap Analysis

Long-Term Care Insurance Gap Analysis

Disability Insurance Evaluation

Health Insurance/Medicare Review

Property/Casualty Liability Insurance Review

Review of Existing Insurance Policies

Wealth Transfer Strategies and Generational Planning

Assesing and Transferring Risk

It’s important to consider not only the risks that you may face today, but also those that may arise in the future. These risks can be offset with a focused risk management plan, which may involve the use of one or more insurance policies.

Whether your goal is to protect your family against a premature death, protect against a future long-term care need, or you wish to simply transfer your wealth to your heirs in the most tax-advantageous manner, we can help you create a risk management plan that best fits your needs.

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Additional Risk Management Resources

How to Navigate the 3 Phases of Your Financial Life

Your financial goals and priorities certainly change throughout your life. These changes result from many factors and are common. In fact, you will experience three distinct phases in your financial life (accumulation, preservation, and distribution). To avoid major...

Medicare, Medigap, and Medicare Advantage

For many, the month of November is the time of year that signifies the end of the year is close and the holidays are coming. For anyone over the age of 65, however, November also signifies another very important season; Medicare Advantage Open Enrollment Season…

The Worst Mother’s Day Gift

Our mothers have such an important role in all our lives. They tirelessly care for us from infancy to adulthood, usually sacrificing the things they want to do or have for us. As we celebrate Mother’s Day this year, consider the following situations as things you don’t want to give your wife this Mother’s…

What Positive Financial Moves Can I Make in 2019?

A new year brings a fresh start and a sense of new opportunities. It’s a great time to set goals and make improvements in all areas of life. Financial goals are, of course, wonderful goals to focus on in any year. But, it can be difficult to know where…

How Much Life Insurance Do I Need?

I’ve found that most are rarely excited to allocate any portion of their income toward life insurance. However, most understand that life insurance can provide unique benefits for a variety of scenarios. So while it’s not always fun to add new policies to your financial…

Why Robots Are Bad Financial Advisors

In this age of rapidly advancing technology, more and more investors have opted for “DIY” financial planning and robo-advisor investment management platforms. And, with the increasing capabilities of trading platforms, retirement calculators…

HSAs: A Best-Kept Secret?

HSAs are somewhat of a hidden gem in the investment world. In many of my own client interactions, I find that people may have a decent understanding of an HSA, but they may not fully be aware of all the advantages that go along with using one. HSA stands for Health...

Retiring Early? Don’t Overlook These 5 Things.

Retiring early. To most people, that phrase has a beautiful ring to it. In fact, it’s difficult to find individuals who would choose to continue working if the possibility of early retirement presented itself. However, if you’re fortunate enough to be in the position...

No client or potential client should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information.