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- Wealth Manager
As much as we try to avoid them, tragic events like death, disability or illness sometimes strike. When faced with such a situation, insurance can help protect you and your family from financial hardship. Our CFP® Professionals are licensed to provide insurance advice and products to our clients and their family members. We are independent agents meaning we are not beholden to one company.
During an insurance engagement, we will work with you to determine your risks and needs, structure your coverage, and walk you through the underwriting process. We offer life insurance (term, whole life, and variable), long term care insurance, and disability insurance. In addition to using insurance to manage risks, a client may need additional tax deferral or guaranteed income through an annuity contract. Though we do not typically utilize annuities, our team is licensed to offer fixed annuities and variable annuities.
We follow the framework below when selecting insurance coverage.
1. Determine insurance need: Is insurance needed? Which type? How much?
2. Financial strength of the insurance company: Is the insurer able to pay all of its claims and remain solvent.
3. Cost: If more than one policy passes the first two screens, the policy that will cost you less will be selected.