Broker Check

Risk Management

How We Work

Tax Reduction Planning Strategies

Tax Reduction Planning Strategies

We will analyze your tax picture including a review of your tax return and Form 1099’s with a view towards finding opportunities to reduce your tax liabilities – in the current year and in years going forward. We do not prepare tax returns but we will coordinate your CPA or tax professional to make sure we are all on the same wavelength.

Survivor Needs Analysis

The loss of a spouse is perhaps one of the most traumatic experiences anyone will ever go through. We help you assess the financial impact and determine the actions you should take today to plan for your loved one to maintain their desired lifestyle when you are gone. We want to reduce unnecessary stress and provide financial confidence to your spouse or significant other.


We help our clients to determine their life, disability, and long-term care insurance needs. We request and review policy updates, in-force ledgers, and beneficiary designations. We advise our clients on policy status, adequacy of coverage, possible modifications, policy terminations, replacement options, and lower cost alternatives if available and appropriate.

Life Insurance

Life insurance is a tool you can use to manage the risk inherent in life. You need life insurance if there are people in your life that rely on you financially. Life insurance will allow you to continue to provide financially for your family after you pass and even reduce your heirs' financial risk.

The way life insurance policies do this is by decreasing your passing's financial impact on your family. Life insurance will help your family cover funeral expenses, pay outstanding debts, resolve remaining mortgages, afford educational costs, and replace lost income sources. Most importantly, life insurance gives you and your family peace of mind.

Disability Insurance

Disability Insurance

A sudden interruption of income — due to an extended period of sickness or injury — can have serious financial consequences. If you are lucky, you may receive group long-term disability benefits through your employer. However, you will need to make sure the benefits available through your group’s long-term disability coverage are adequate for your needs.

An individual disability income insurance policy can help supplement your group’s long-term disability benefits and protect a larger portion of your income. This, in turn, provides a fundamental layer of security for your financial future. An individual disability income insurance policy you purchase on your own is fully portable, meaning you won't have to worry about losing coverage if you change jobs. The benefits paid are tax-free if you are the premium payor.

Long-Term Care Planning

The cost of providing for long-term care, whether in your own home, in assisted living facilities, or in a nursing home can be catastrophic and can ultimately unravel even the best of retirement plans. In addition to the emotional stress, these costs can impair a family’s financial security and legacy objectives. You need a plan. We identify your options including the use of asset protection trusts, asset re-titling, gifting, and long-term care insurance.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.   |  (815) 517-0862