Insurance & Risk Management
Objective guidance to help protect your family and your wealth
Building wealth is only one part of a successful plan. We help you identify the risks that could disrupt your goals and create a practical strategy to manage them.
Planning for what you can’t predict
Independent advice on the coverage you actually need
Unexpected events can change a family’s financial picture in an instant. Insurance planning and risk management give you a way to prepare so your long-term goals remain achievable even when life does not go as expected. We focus on understanding your obligations, dependents, lifestyle, and assets so coverage decisions are grounded in your real-world needs.
As a fee-only advisory firm, we do not sell insurance or receive commissions. That means our recommendations are based solely on what is appropriate for you, not on product incentives. Insurance and risk management are woven into your broader financial plan so that coverage levels, policy types, and premium costs all make sense in the context of your entire financial life.
Seeing the full picture of your coverage
Reviewing what you have, what you need, and what can change
We begin with a detailed review of your existing policies and potential exposures. This includes life, disability, long-term care, property, liability, and any business-related coverage so we can see where you are well protected and where gaps exist. We then evaluate how each policy supports your goals, your cash flow, and your family’s needs. Our analysis often reveals areas where coverage can be simplified, improved, or reduced without sacrificing security.
- Life insurance: We analyze income replacement needs, debt payoff, education goals, estate liquidity, and business obligations to estimate the right amount and type of coverage for your situation.
- Disability insurance: We examine employer benefits and private policies to determine whether your earning power is adequately protected, especially if you are a high-income professional.
- Long-term care planning: We help you compare traditional long-term care policies, hybrid solutions, and self-funding options by modeling how each choice would affect your long-term plan.
- Liability and umbrella coverage: We review property and liability limits and often recommend umbrella coverage so a single lawsuit is less likely to put your assets at risk.
Aligning protection with your broader financial plan
Practical strategies that balance risk, cost, and flexibility
Risk management is not about buying every policy available. It is about deciding which risks you can accept, which you can handle on your own, and which should be shifted to an insurance company. We use your financial plan to quantify the impact of events like a disability, extended care need, or liability claim. This allows us to recommend coverage levels and policy structures that fit your balance sheet rather than relying on generic rules of thumb.
We also pay close attention to cost so that premiums do not crowd out saving, investing, or other priorities. Often this means favoring simple, term-based solutions for income replacement and using higher deductibles where a client has ample liquidity. When new risks arise, such as a business acquisition or purchase of a second home, we incorporate them into your plan and adjust coverage accordingly. The result is a risk strategy that feels thoughtful, understandable, and sustainable over time.
Objective guidance with a trusted network behind it
Advice first, introductions only when needed
Because we do not sell insurance products, our role is to advise you on what to do, not to push specific policies. When coverage is needed or changes make sense, we help you define the specifications and then connect you with independent agents or specialists who can source competitive options. We remain in your corner as you compare quotes and policy language, helping you weigh trade-offs between cost, benefits, and flexibility.
Over time, we revisit your insurance decisions as part of regular financial reviews. As children grow up, mortgages are paid down, or your net worth increases, the right level of coverage may change. We might recommend reducing or eliminating certain policies while increasing others, such as umbrella coverage, to reflect your evolving situation. Our goal is for your risk management strategy to stay current, efficient, and aligned with the rest of your financial life.
Insurance and risk management FAQs
Straightforward answers to common questions
Do you sell insurance or receive commissions on policies?
No. We are a fee-only advisory firm and do not sell insurance or receive commissions, referral fees, or bonuses from insurance companies. This structure allows us to offer objective recommendations based solely on what is appropriate for you and your family. We help you determine what kind of coverage you need and then work alongside independent agents, so you remain in control of the final choice. Our compensation only comes from you, which keeps our advice aligned with your best interests.
How do you determine how much life insurance I need?
We begin by analyzing your family’s expected expenses, debt, income needs, and long-term goals if you were no longer here. This includes things like living costs for a surviving spouse, education funding for children, and retirement needs that would still need to be met. We then compare those needs to your existing assets and other income sources to determine the coverage gap. From there, we recommend an appropriate amount and type of life insurance so you are not overpaying for unnecessary coverage or leaving loved ones exposed.
When should I start thinking about long-term care planning?
Most people benefit from addressing long-term care questions in their fifties or early sixties, before health changes make coverage more expensive or unavailable. We help you understand the potential costs of in-home care, assisted living, or nursing care and how they might affect your financial plan. Together, we evaluate whether traditional long-term care insurance, a hybrid policy, or self-funding is the most appropriate approach. Our goal is to help you make an informed decision that balances cost, flexibility, and peace of mind.
I already have coverage through work. Is that enough?
Employer-provided life and disability insurance can be a useful foundation, but it often falls short for higher earners or those with significant obligations. We review your workplace benefits, including coverage limits, portability, and any restrictions, to see how they fit into your overall plan. If we identify gaps, we explain how supplemental policies could address those weaknesses in a cost-effective way. We also help you adjust coverage if your role, income, or employer changes so your protection does not lapse unintentionally.
How does insurance fit with my investment and retirement strategy?
Insurance and risk management support your investment and retirement strategy by reducing the chance that you will need to liquidate assets at the wrong time. By planning for events like disability, long-term care needs, or liability claims, you are less likely to be forced into selling investments when markets are down. We model these scenarios within your financial plan so you can see how the right coverage helps preserve flexibility and optionality. This coordination allows your investment strategy to stay focused on long-term growth while your risk plan addresses short-term shocks.