Risk management

Through the financial planning process we define and uncover risks to the client and take steps that seek to mitigate that risk or insure it. Some examples are:

  • We believe non-correlated asset classes are critical when seeking to reduce market risk in portfolios.
  • We may use Life Insurance for protection of families and estate transfers.
  • We may use Disability Insurance to work toward protecting against the loss of earned income.
  • We may use Long-Term Care Insurance to help offset health care expenses later in life.
  • We may use Annuities in an effort to transfer market risk and the risk of outliving your income.
  • We commit to refer our clients to professionals who may assist with insuring risks that we are not qualified to address.