Strategic risk management and insurance planning helps to safeguard your wealth, reduce risk, and support your shorter- and longer-term financial stability. As part of our personalized, comprehensive financial planning process, we assess the risks to your own and your family’s financial well-being, and to your ability to save and invest for your shorter-and longer-term goals in the event of a disability, passing away early, or needing long-term care. We will also assess your risk of, and personal concern about, running out of money during retirement, which is often mitigated through annuities.

We will analyze any existing insurance products and annuities you may have, and how well and efficiently they are serving you and providing the needed protection. If we deem that an insurance or annuity product is in your best interest and will play an important role in your comprehensive financial plan, we will research and identify the most beneficial and cost-efficient policies among the many possible plan features and insurance providers in the market.

Possible insurance products that could be included in your personalized, comprehensive financial plan include:

• Disability insurance
• Term life Insurance
• Permanent/whole-life insurance – fixed, variable, variable universal life (VUL), universal life (UL), and indexed universal life (IUL)
• Long-term care insurance
• Annuities – fixed and variable
• See the Annuities and Insurance Primer in the Resources section for explanations of these products (provide link to the Primer)

We provide the following services related to risk management and insurance planning:

• Review of existing policies
• Needs and suitability analysis for disability insurance, life insurance, long-term care insurance, and annuities
• Establishing Health Savings Accounts
• Medicare advice and referral to Medicare insurance brokers

If you are a business owner, we may suggest insurance products to protect your business from the sudden loss of an owner or a critical employee due to death or disability:

• Buy-sell agreements
• Key person insurance
• Disability insurance

Explore insurance and annuities planning today!