Broker Check

Risk management

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.