Risk management planning, or insurance planning is an integral part of any financial plan. Our greatest asset is our ability to earn an income. If that is impeded by death, disability or illness we need to ensure our loved ones are protected and that our overall financial plan is not decimated.

If you are fortunate enough to have a group benefits package at work that can be a great foundation to your risk management planning, but should never be relied on as your sole source of coverage. Reviewing your benefits package with us can give you a better understanding of what you have and how it fits in with your overall needs.

Insurance needs are unique to each client. Reasons why insurance is needed include;

  • Debt protection (Credit cards, mortgages, business loans)
  • Income replacement
  • Estate maximization (tax liability)
  • Charitable giving
  • Inheritance creation
  • Asset protection

Regardless of the reason insurance in all cases provides financial peace of mind.