Risk Management

Insure your financial future.

Wealth management is as much protection as it is accumulation. Tax, estate planning strategies, insurance and asset protection strategies are all essential to helping preserve your wealth.

Many clients already have existing types of insurance. We start with a thorough analysis of all your policies, and offer our recommendations based on your current situation and needs. Then we assess your mix of coverage on an ongoing basis.

Life Insurance

Help protect your dependents financially in the event of your death. Properly positioned, the benefit from a life insurance policy can potentially provide a steady stream of income for your family. It can also provide liquid capital to pay estate taxes and other obligations. We’ll review options like term, whole life, universal life and variable life insurance, and recommend the products that fit your situation.

Disability Insurance

Protect yourself from loss of income if you’re not able to work with long-term and short-term disability insurance. Short-term disability policies generally pay benefits sooner; and may pay benefits for periods ranging from three months to two years, depending on your policy. Long-term disability policies may pay benefits for several years, up to age 65, or even for a lifetime.

Having both types of policies is ideal, but if you have to choose just one, we can help you understand the options.

Long-Term Care Insurance

Through long-term care insurance, you can plan ahead to help cover the cost of care in a variety of settings – from nursing homes and assisted living facilities, to adult day-care centers or hospices. People usually associate long-term care with the elderly. But it can also apply to the ongoing care of individuals of any age who have experienced illness, injury, or cognitive disorder; and who can no longer independently perform basic activities of daily living (ADLs) such as bathing, dressing, or eating.

Health Insurance

Unexpected medical bills can be one of the largest and most common sources of financial risk. If illness or injury keeps you out of work, the loss of income can be compounded by medical expenses. A good health insurance plan is critical to minimizing the impact. Being prepared means ensuring you are adequately insured.