Risk Management

While optimism is a virtue, it is also important to guard your future against unforeseen events that could throw you and your family off course. That’s why protection planning and coverage tests are critical to help you sleep at night, knowing that you have proper coverage at the lowest possible price.

Some of the ways we utilize insurance in the 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.
• Disability: Protects your income in the event of your inability to work.
• 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.