RISK MANAGEMENT & INSURANCE PLANNING
We will evaluate any gaps in your insurance coverage with an independent approach.
SERVICES
Risk Management Services
Our risk management services help investors increase the security of their financial plan with the protection provided by life, long-term care, and long-term disability insurance policies.
Navigating the world of insurance can be difficult because insurance salesmen are constantly trying to sell you a product, and it may be difficult to understand if it is a product you actually need.
We take an independent approach to insurance and are not married to any insurance companies. Therefore, we have no insurance quotas or sales managers pressuring us to hit an annual insurance goal.
We simply present options to our clients if insurance protection is something that is important to them, or if they are currently under-insured in any area.
Life insurance can also be used to transfer wealth to the next generation for those that intend to leave an inheritance for their children, grandchildren, and charitable institutions. We help clients maximize what they leave to their loved ones and minimize what is left to Uncle Sam.
Ultimately, we believe insurance is a tool that can help some. It’s not a one-size-fits-all solution that every human being needs to have and should not be viewed as an investment. Insurance is designed to protect against risk and/or transfer wealth from one generation to the next. Using insurance for its designed purposes create a greater chance of a positive outcome.
In addition to recommending insurance when needed, we also regularly review insurance policies that are currently in place. If you’d like to have your insurance policy reviewed, please click the button below to schedule a 15-minute call.
Step #1: Schedule 15-Minute Phone Call
Additional Risk Management Resources
How Tariffs Could Impact Your Investments, Retirement, and Everyday Expenses
With new tariffs shaking up global trade, many investors are wondering how these policies will impact their portfolios, retirement plans, and even day-to-day expenses. Tariffs, essentially taxes on imports, can drive up costs for consumers and create uncertainty in the stock market. But should you make drastic changes to your investment strategy?
Term vs. Whole Life Insurance
When someone says, “How much life insurance do I need?” they are essentially saying, “How much death benefit do I need?” The answer to that depends on what you intend the death benefit to cover.
How Much Life Insurance Do I Need?
When someone says, “How much life insurance do I need?” they are essentially saying, “How much death benefit do I need?” The answer to that depends on what you intend the death benefit to cover.
Retirement Investing Strategies
Retirement investing isn’t completely different than investing prior to retirement. The same risks and thought patterns should apply. However, the end strategy will likely look different due to expected withdrawals during the retirement phase. It’s no secret that retirement investing can seem more…
Health Savings Accounts: A Best-Kept Secret?
Health Savings Accounts (HSAs) are somewhat of a hidden gem in the investment world. Many people may have heard of an HSA before, but few are aware of how beneficial they can be.In many of my own client interactions, I find that people may have a decent understanding...
7 Medicare Questions You Should Know How to Answer if You’re Over 60
Medicare covers millions of Americans, yet is still widely misunderstood. Knowing when to enroll in Medicare, what Medicare covers, and the costs associated are just a few crucial things to know as you approach Medicare eligibility. Despite Medicare insuring…
Identity Theft & How to Protect Against Cyber Attacks (15 Ways)
Cybersecurity may not often be included as part of wealth management, but poor practices could lead to significant financial loss. However, many cases of identity theft can be prevented with prudent practices and security measures. Identity theft is an issue that...
Should I Invest Near a Market High?
When the stock market is near an all-time high, some investors decide to exit the stock market, fearing of a possible decline. Although this is a common and logical concern, historical data shows that may not be the most prudent approach to navigating markets that are near all-time highs.
How to Navigate the 3 Financial Phases of 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…
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.