Personal Risk Management

Throughout our lives we face a number of events that could jeopardize even the best laid plans. Your wealth advisor works with our team of Insurance Specialists to identify risks which could 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 knocked off course without protections in place.

Some of the ways we utilize insurance in the financial planning process include:

  • 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 freedom.
  • 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.