Simply put, risk management is a two-step process - determining what risks you face, then handling those risks in a way best-suited to your personal and financial situation.


Risk Transfer

Health problems. Car accidents. An untimely death. No one wants to think about catastrophic events, but everyone should be prepared. Without adequate protection, the unforeseen puts all you’ve worked for at risk.

Insurance, as part of a comprehensive financial planning strategy, is a way of managing the risks we all face every day. It allows you to take a specific risk, detailed in the insurance contract, and pass it from yourself to someone (the insurance company) willing to take on the risk for a fee, or premium. Insurance can:

  • Replace income your family depends upon in the event of the death of a wage-earner.
  • Protect your estate from estate taxes.
  • Cover healthcare costs should you develop an acute or long-term illness

Where do you start?

Managing risk is a key part of any comprehensive financial strategy. It’s vital you have both the right amount and right type of protection for the various risks you face.

How do I get started?

The first step toward reaching your goals is finding the right advisor to help get you there. That’s why we offer no-obligation initial consultations. These meetings provide an opportunity for you to get to know the person who will be advising you, and just as importantly, for us to get to know you.

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