Why is insurance part of a financial plan?
Insurance can help protect your income, family, business, and accumulated assets from unexpected events. Without appropriate protection, a death, disability, illness, or other major event could significantly affect your financial progress.
We evaluate insurance as one component of a broader risk-management strategy.
What types of insurance should I consider?
Depending on your circumstances, areas for consideration may include life insurance, disability insurance, long-term care insurance, business insurance, liability protection, and other forms of coverage.
The appropriate types and amounts depend on your income, assets, family responsibilities, business interests, debts, and financial goals.
How much life insurance do I need?
The answer depends on factors such as income replacement needs, outstanding debts, dependents, education funding, estate objectives, business obligations, and available assets.
We help you evaluate the purpose of coverage and consider how insurance may fit within your broader financial and legacy plans.
Why is disability insurance important for business owners and professionals?
For many business owners and professionals, the ability to earn an income is one of their most valuable assets. A disability could affect both personal finances and business operations.
Disability planning can help evaluate how income, business responsibilities, and family needs may be protected if you are unable to work.
Should my insurance coverage be reviewed periodically?
Yes. Coverage may need to change as your income, family, assets, debts, business, or estate-planning goals change.
Major life events—such as marriage, divorce, the birth of a child, a business acquisition or sale, retirement, or a significant change in wealth—may warrant a review.
