Insurance Planning for a Secure Financial Future
Protect your income, assets, and lifestyle with tailored insurance solutions that give you lasting confidence and security at every life stage.
Building an Insurance Strategy That Works for Life
Insurance should be a proactive strategy for lasting security, not just a fallback. That’s why we follow a thorough, client-focused process:
Risk Assessment: We analyze your current financial picture, lifestyle, and potential vulnerabilities. This step ensures we understand exactly what you need to protect.
Coverage Design: We recommend only the policies that fit your needs, avoiding unnecessary overlap or excessive premiums.
Implementation: We coordinate with trusted insurance providers to secure your coverage efficiently and effectively.
Ongoing Review: We revisit your insurance plan regularly to make sure it keeps up with life changes, inflation, and evolving risks.
Safeguard Your Future with Thoughtful Insurance Planning
Insurance planning creates a tailored strategy to protect your income, assets, and lifestyle, giving you peace of mind at every stage. We align coverage with your goals, close gaps, cut unnecessary costs, and prepare you and your loved ones for the unexpected.
We create strategies that protect your assets, honor your wishes, and support your family across life, health, disability, property, business, and long-term care needs.
Insurance Planning to Protect Every Part of Your Life
Our promise to every client:
Life Insurance
Health Insurance
Disability Insurance
Long-Term Care Insurance
Property & Casualty Insurance
Business Insurance
Simple pricing with no surprises.
Our annual wealth management fee is all-inclusive of our services.
No hidden fees. No hourly fees. No surprises.
| Fee | Managed/Advised Assets |
|---|---|
| 0.90% | $0 - $1,000,000 |
| 0.80% | $1,000,000 - $2,000,000 |
| 0.70% | $2,000,000 - $3,000,000 |
| 0.60% | $3,000,000 - $4,000,000 |
| 0.50% | $4,000,000 - $5,000,000 |
*$12,000 minimum annual fee
FAQs about
Insurance Planning
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The sooner, the better. Your needs change as your life changes, so beginning early allows you to adjust your coverage proactively instead of reacting after a problem arises.
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The cost depends on the type and amount of coverage you choose. We focus on building a plan that balances comprehensive protection with affordability.
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At least once a year, and any time you experience major life events such as marriage, buying property, starting a business, or having children.
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Yes. By identifying unnecessary coverage and shopping for competitive rates, we can often reduce your overall insurance costs while improving your protection.
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Yes. We coordinate all major coverage areas - life, health, disability, property, casualty, and business-to ensure your plan is comprehensive and integrated.
Planning for Protection That Lasts
Insurance planning is more than buying policies. It’s about protecting your income, assets, and future while giving you confidence at every stage of life.
We simplify decisions, remove overlaps, secure competitive premiums, and align coverage with your financial goals so what matters most is protected today and tomorrow.
Four Steps to Lifelong Confidence
We make insurance planning simple, strategic, and personalized.
1
Discovery
We review your assets, income, and goals to spot coverage gaps and risks.
Design
We create a custom mix of policies that work together for full protection.
2
Implementation
We coordinate with trusted providers to put your plan in place.
3
Ongoing Review
We keep your coverage updated as your life and priorities evolve.
4
Success Story
Unlocking Tax-Free Growth Despite High Income
Mark earned $650,000 as a young doctor in his late 40s, but he felt penalized by his own success when his high income disqualified him from contributing to a Roth IRA, missing out on decades of tax-free growth for both him and his kids. Thanks to a little-known tax loophole, we implemented a "backdoor Roth IRA" strategy, allowing him to capture the same tax-free benefits he thought were out of reach.
Mark now watches his Roth IRA grow each year, knowing that neither he nor his sons will ever owe Uncle Sam a penny of it. What felt like a frustrating limitation became a powerful wealth-building opportunity. His family will benefit for generations.
Maximizing the Value of Your Insurance Strategy.
Delaying your estate plan risks missed opportunities. Acting now gives you greater control over:
Family, assets, and income protected
Cut duplicate coverage costs
Keep long-term goals secure
Align insurance with financial plans
Secure Tomorrow by Planning Today !
Insurance planning should never be left to chance. Let’s design a strategy that protects your income, safeguards your assets, and keeps your goals on track for life.