Risk Management – Insurance
Whether you’re a pre-retiree, business owner, or special needs family, we tailor the right insurance coverage to your financial plan, mitigating risk while strengthening wealth-building and legacy strategies.
Whether you’re a pre-retiree, business owner, or special needs family, we tailor the right insurance coverage to your financial plan, mitigating risk while strengthening wealth-building and legacy strategies.
Risk management – insurance
Incorporating insurance into a financial plan
…gives clients peace of mind, knowing they are prepared for life’s uncertainties. By strategically using life, disability, long-term care, home, and auto insurance, we help protect assets, secure legacies, and achieve long-term financial goals.
Life Insurance
Legacy Planning & Wealth Transfer
Use permanent life insurance to create a tax-efficient inheritance for heirs or fund a trust.
Income Replacement
Ensure dependents have financial security if the primary income earner passes away.
Business Succession Planning
Fund buy-sell agreements, key-person insurance, or business continuation strategies.
Tax-Advantaged Growth
Use cash-value policies (like whole or indexed universal life) as a tax-efficient asset within an overall wealth strategy.
Charitable Giving
Designate a charity as a beneficiary or leverage a life insurance policy to maximize philanthropic impact.
Disablity Insurance
Income Protection
Ensure clients can meet expenses if they are unable to work due to illness or injury.
Retirement Security
Pair long-term disability insurance with retirement contributions to continue funding retirement accounts even if the client cannot work.
Business Overhead Expense Coverage
Help business owners cover fixed expenses like rent and payroll if they become disabled.
High-Income Professional Planning
Use individual disability policies to supplement employer-provided coverage, which often falls short for high earners.
Long Term Care Insurance
Retirement Asset Protection
Prevent clients from depleting their retirement savings to pay for long-term care costs.
Hybrid Policies
Utilize life insurance or annuities with long-term care riders for flexible coverage.
Tax-Advantaged Planning
Leverage LTC insurance deductions or tax-free benefits for qualifying expenses.
Family Caregiver Support
Provide funds to ease the burden on family members who might otherwise provide unpaid care.
Home and Auto
Asset Protection
Ensure clients have adequate coverage to protect against lawsuits, natural disasters, or liability claims.
Umbrella Coverage
Recommend excess liability insurance to protect high-net-worth clients from large claims that exceed home and auto policy limits.
Rental & Vacation Home Strategies
Structure policies to protect investment properties, Airbnb rentals, and vacation homes.
Bundling & Efficiency
Help clients optimize coverage through bundling policies for cost savings and efficiency.
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Review your current insurance strategy
Explore how these solutions fit into your financial plan.