High Net Worth Insurance and Risk Management

Life insurance protects. 70% of those with coverage only have enough to replace 3.5 years of income. How protected is your family? Our team of Insurance Specialists can help you evaluate your insurance needs and compare that to the existing coverage you have in place to make sure you are adequately covered. We can help you evaluate your life, long-term care and disability coverage.

Some of the ways we utilize insurance in the financial planning process include:

  • Life: Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax free, if structured properly.
  • Disability: Protects your income in the event of your inability to work prior to financial freedom.
  • Long-Term Care: Provides financial support for Activities of Daily Living (ADL’s) in respite care, adult day care, in-home care, assisted living as well as nursing home care.