Risk Management

Risk is inherent in the world of finance.  As you both approach and enter retirement, you will face a number of risks that can throw a wrench in your planning if unaccounted for, such as inflation, longevity & long term care risk, and even loss of income due to death or disability.  It’s not always possible to completely avoid all risks, but a comprehensive financial plan will include risk management strategies to minimize your exposure.

We believe knowledge is the key to making responsible decisions with regard to risk...

Long Term Care

Long-Term Care risk has become more and more challenging to address with the industry going through significant changes in product availability, pricing, and underwriting difficulty. We can help you design a solution that may include:

• Traditional LTC Insurance
• Hybrid & Linked Benefit Coverages
• Alternatives to LTC Insurance

Life Insurance

Life Insurance is one of the most important tools available in financial planning, yet it rarely gets the appreciation it deserves.  It has uses and provides value in nearly all stages of both personal planning and business planning.  With access to multiple carriers, for both term and permanent products, we can help you design a solution for a multitude of situations, including:

• Income Replacement
• Pension Maximization
• Wealth Transfer
• LTC Risk Management
• Estate Planning & Equalization
• Business Continuation
• Key Person & Deferred Comp Arrangements

Disability Insurance

Disability insurance coverage might be the most overlooked piece in all of financial planning.  The assumption that the risk is fully covered through work benefits, or simply avoidance due to the complexity of the products and underwriting, can leave many with risk they are unaware of.  Main coverage options include:

• Disability Income
• Buy-Sell Coverage
• Key Person Insurance