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

Retirement Investing: Is it Different?

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...

Identity Theft: 15 Ways to Protect Against Cyber Attacks

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 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. The job of a mother is a 24/7, 365, round-the-clock responsibility, and yet they still manage to show love and compassion along the way. In return, we celebrate all….

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 to start when setting financial goals.

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 arsenal, it might not be necessary.

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.