Risk Management


Whether it is to ensure that your family is taken care of, a business is better protected, or long-term care costs are covered, establishing proper insurance coverage is critical for creating a sound financial strategy. A comprehensive risk management program is essential to help ensure your financial plans are not sidetracked if the unexpected happen.

We can assist with:


Life Insurance

With life insurance, not only can someone protect loved ones, but there are also tax benefits with certain policies. With access to multiple different life insurance options — including term, whole life, universal life, and variable universal life insurance — we strive to find the most up-to-date, efficient, and cost-effective programs for you based on your unique needs.


Long-Term Care Insurance

Typically not covered by health insurance, long-term care is costly and can significantly deplete assets. Long-term care insurance can help pay for a care plan. We can help you determine opportunities for protecting your assets and retirement income.


Disability Insurance

How would you supplement lost income if you were unexpectedly injured or disabled? Unfortunately for many, it could mean dipping into your savings or future retirement income. We can structure coverage to help protect your income against catastrophic loss due to an injury or long-term illness.


Key Man Insurance

Key man insurance is life insurance for a key employee or partner, with the business serving as the beneficiary. With this insurance, you may be able to offset a risk by reimbursing your business for economic losses that occur when a key executive of the company dies. We can help you determine your business’ key personnel and evaluate options for this liability.