Risk Management & Insurance
When you started out on the path to independence, you likely had few things to worry about aside from your own earnings. But as you enter different phases of life – such as marriage, home ownership, and parenthood – your level of responsibility to those you love increases.
Risk management is more than just having proper insurance. It involves understanding potential vulnerabilities that could arise. It involves understanding your biggest exposures and creating a plan to protect you and your family based on where you feel comfortable and meeting your financial goals and objectives.
We assess our clients’ existing life, long -term care, and disability insurance policies to ensure adequate coverage and cost effectiveness. Based on the analysis we will determine what, if any, changes are necessary to meet your level of comfort.
For those that don’t have insurance, it may be tempting to delay risk planning due to age or cost, but through our planning and subsequent relationships we will work to find the right balance for you. Ignoring potential risks is not an option and we help you through the process of mitigating them.