Insurance Optimization

Protecting Your Loved Ones

It takes time and effort to build wealth, but it is easy to lose it. Even the most carefully laid financial plans can be shattered by accidents, lawsuits, medical crises, and other unexpected events. Life, property, and long-term care insurance are essential.

Insurance can help protect assets and provide income replacement if you or your family need it. Unfortunately, many people set up insurance policies early in life and then fail to revisit them as their personal situations and needs change.

A Customized Insurance Strategy That Protects Your Family

Collaborating with your Insurance Providers

We work collaboratively with you and your insurance agents to implement an insurance strategy. While insurance agents are driven to sell you coverage, our job as fiduciaries is to make sure that the coverage is necessary, cost efficient, and in your best interest.

Have insurance questions? We've got answers.

What type of life insurance is best for me? Why?
How do I make sure that my kids are protected?
How much insurance do I need? How much does it cost?
How long should my life insurance coverage last?
What do insurance companies consider when determining your rate?
How do I modify my life insurance policy?
Do I need an umbrella policy? If so, how much? What is the cost?
What is the difference between market value and replacement cost?

Once you make the decision to buy insurance, selecting the right insurance company and plan is extremely important. We can help you implement that part.


Insurance Planning Process

A big part of keeping your dream alive is making plans to protect the financial situation of your loved ones, particularly your dependents. We believe that sound planning begins by building a strong base of financial security.


Risk Review

In reviewing each client’s overall situation, we attempt to uncover potential risks that could prevent the achievement of his or her goals. For each risk exposure, the key elements to consider are the severity and frequency of loss.  


Determine the right strategy to reduce risks

It is critical to determine for each risk what strategy should be followed in order to address it. In this step of the process we decide how to respond to a threat or risk.


Purchase of insurance

Buying insurance is the process of transferring risk you cannot afford, or choose not to accept. In this step of the process, we decide to buy insurance.


monitoring of Insurance policies

Regular insurance reviews—as often as annually for many households—help you close those gaps and give you peace of mind that your assets and loved ones are protected with the right amount of insurance coverage.

We can help in the following areas:

Property & Casualty Insurance Reviews

Medicare / Health Insurance

Life Insurance Planning

Long-Term Care Insurance Analysis

Irrevocable Life Insurance Trust (ILIT)

Disability Insurance Review

Medicare Part B Premium Analysis

Income Replacement

Specialty Insurance

Curious about learning more? Let’s talk.