Broker Check


During the financial planning process, we help you identify risks which could derail your financial plans. While it is important to focus on what may go right, it is also crucial to consider how you may be negatively impacted without contingency plans in place. Cost effectively transferring risk to the deeper pockets of an insurance company may be prudent to minimize the financial damage of an unanticipated, catastrophic event.

Some of the ways clients leverage insurance in the financial planning process include:

  • Life Insurance is used for income replacement, business succession funding and estate planning through a vehicle which may be income tax and estate tax free, if structured properly.
  • Disability Insurance protects some of your income in the event you are unable to work due to a health concern
  • Long-Term Care Insurance provides financial support for in-home care, assisted living, adult day care and skilled nursing care.