To insure or to not insure: that is the question.

One of the most beautiful aspects of life is the wonder and excitement that the future brings. However, the future also brings with it uncertainties and worries. It is because of uncertainty that we choose to insure risks that, if left unattended, could jeopardize the financial future of our families and loved ones.

But which risks should we insure, and if we choose to insure, when and for how long? These are some of the most critical questions facing families and business owners as they plan for the future.

As an Independent Registered Investment Advisor and through our entity level insurance license, we can help clients explore all available options before making a decision regarding:

  • Life insurance
  • Long-term care insurance
  • The role of annuities in mitigating longetivity risk (we generally recommend commission free, no surrender charge annuities)
  • The role of second-to-die life insurance policies in legacy and charitable gifting strategies 
We would argue that no financial plan is complete without thoroughly analyzing the pros and cons of mitigating risk in light of one's goals and risk tolerance. Through skilled and intentional analysis, we help our clients answer the tough questions about risk management. And once answered, we help implement a strategy in the most efficient and cost conscious manner possible.