Evaluating the Effective Use of Insurance

We'll work with you and our team of Insurance Professionals to identify risks which could tremendously impair your financial situation. While it’s important to focus on what may go right with your situation, it’s also crucial to consider how you may be negatively impacted without insurance protection in place. For many people, cost effectively transferring risk to an insurance company may be prudent to manage the financial damage of a catastrophic, unanticipated event.

When discussing insurance issues  and providing an efficiency review as part of your overall wealth plan, we'll cover four types of insurance:

Life: Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax free, if structured properly.

Disability: Protects your income in the event of your inability to work prior to financial independence.

Long-Term Care: Provides financial support for Activities of Daily Living (ADL’s) in respite care, adult day care, in-home care, assisted living as well as nursing home care.

Liability Insurance:  Provides protection in the event of being sued civilly.

We will assess all four types of insurances from three distinct vantage points; adequacy of coverage, appropriateness of policies and cost effectiveness.