Insurance & Risk Management

In reviewing each client’s overall situation, we attempt to uncover potential risks that could prevent the achievement of his or her goals. Areas of risk can range from death, disability and illness, to asset valuation, lack of diversification, income protection and job security. By evaluating these risks, we can make recommendations to prevent their occurrence or at least minimize them. 

This is one of the most overlooked aspects of financial planning, but unfortunately, failure to properly manage financial risks and/or to properly insure oneself against potential losses can have a significant impact on a person’s financial well-being. 

We offer a wide variety of insurance products including life (term, whole, universal and variable), long-term care (individual coverage, joint coverage, reimbursement plans, life insurance base plans and group plans) and long-term disability (individual and group plans).

As an independent agent, we provide access to most of the major insurance companies, including Genworth, John Hancock, AIG, Pacific Life, Phoenix, Transamerica, Allianz, Voya, MetLife, Equitable, Mutual of Omaha and many others. 

Examples of real-life services we’ve provided previous clients

Long-term care insurance update – One of our client couples, who had been wise enough to purchase long-term care insurance, discovered that one of the policy’s compounding benefits was lagging behind the rate of inflation for healthcare costs. We were able to design an add-on policy that allowed the couple to leave their less expensive policy in place while augmenting their benefits with a newer-generation product to bridge the gap. 

How we work with insurance and risk-management clients

Product solutions: Each insurance company with which we work establishes its own compensation structure and pays us once a policy is placed. We do not charge separately for these products and will service your plan as long as it is in force. We are licensed in multiple states to provide insurance solutions. 

Analysis: For an hourly or fixed fee, we will evaluate your current coverage and provide a formal report on the types of coverage you have as well as the costs, providers and areas of risk or lack of coverage. If a change in coverage is necessary and you elect to use our firm to implement the needed solutions, we may discount our fee in cases where we will also be earning a commission.