Through the financial planning process we define and uncover risks to the client and take steps to either mitigate that risk or insure it. Some examples are:
- We believe non-correlated asset classes are critical to reducing market risk in portfolios.
- We may use Life Insurance for protection of families and estate transfers.
- We may use Disability Insurance to protect 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 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.
