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Insurance & Risk Management

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors.

That’s why risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective and unbiased recommendations to provide you with the peace of mind you seek.

Individual Insurance Planning

We are committed to working with our clients to help them determine their long-term personal financial goals. We work with our clients in structuring their estate assets to minimize tax liabilities and maximize value to future generations by using individualized lifetime strategies to minimize income, estate, gift, and generation-skipping taxes.

Our professional team will work with your attorney and accountant to develop a plan that will coordinate with your insurance contracts to provide a sound workable plan. Periodically, we will review your plan to be absolutely certain that it continues to accomplish your long-term objectives.

Many families have seen over half the family assets confiscated by federal and state inheritance tax. Banking relationships have become severely strained and real estate is often sold at below market prices in order to finance these estate taxes.
Our goal is to assure our clients that all prudent steps have been taken to reduce their tax liabilities and to create the most effective means to finance whatever tax liabilities remain.

  • Life
  • Disability
  • Long-term Care