RISK MANAGEMENT

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

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

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Should I Invest Near a Market High?

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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.