Risk Management

Risk management, in the context of financial planning, comes in many forms. We have years of experience helping individuals and families identify, assess, and prioritize their risks. Once we understand how a client would like to approach their risk management program, we work with them hand-in-hand to find quality solutions from highly-rated, reputable insurers.

Financial products we can directly help clients implement are:

  • Disability Income Insurance
  • Life Insurance
  • Long-Term Care Insurance
  • Fixed Annuities
  • Income Annuities

Financial products, especially life insurance and annuities, have become increasing complex during the past decade. By covering both the benefits and constraints of these products, we educate clients on under what circumstances might they be appropriate.

The information is provided with the understanding that it is not intended to be implemented as specific legal or tax advice.  Employees and agents are not authorized to give legal or tax advice.  Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.

Note: Only in limited instances will we sell risk management products without an accompanying financial plan. To limit our liability exposure, we will consider recommendations from an estate planning attorney or a fee-only planner.