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Risk Management


Risk Management

Insurance planning should not be an afterthought to the Financial Plan. An unexpected disability, untimely long-term care need, or premature death could undermine the plan if risk management is not addressed.

The need for some level of insurance seems basically simple – but determining the right plans and choosing them is anything but simple. It takes professional guidance to ensure that your family and/or business is adequately protected.

As an independently-managed firm, we are not bound to any particular insurance company. We “shop” multiple carriers for you to find the most appropriate solution at a competitive price.

We can provide you with needs analyses and recommendations for:

  • Life Insurance
  • Disability Income Insurance
  • Long-Term Care Insurance

We partner with affiliates to meet the following needs:

  • Medicare Supplement Plans
  • Auto and Homeowner’s Insurance
  • Business Insurance


Premium Payment varies on
Insurance TypeCarrierLength of Coverage

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. The guarantees provided by the insurance company are contingent on the claims-paying ability of the issuing company.