We think of insurance as a “safety net” that will catch us when life throws us unexpected curve balls. Insurance can help us through a lot of difficult situations like losing someone we love, become disabled temporarily or permanently, when we damage to our personal property, or when we get older and need help caring for ourselves or someone else that we love. 

While we do not always sell the insurance that we recommend to you, we help you understand all of the policies and the best courses of action for you to take.

 

1. Life Insurance

  • There are many different philosophies around the need for life insurance and which policies to purchase.
  • We work with you to help you understand our beliefs and how the various products might serve you best, if needed.
  • Ultimately, it might make sense to refer you to an insurance specialist if we agree that it will be the best decision for you.
 

2. Disability Insurance

  • Understanding how you and/or your loved ones are covered by disability insurance is important to ensuring your financial future.
  • There is short- and long-term disability policies that provide income in the event that you are unable to work for certain periods of time.
  • Our goal is to help you understand your policies, if you have them, and make sure that you are asking the right questions to your providers. We also want to make sure that your coverage is adequate and accounted for in our planning.
 

3. Long-Term Care (LTC) Insurance

  • Most of us have had to experience a long-term care event. Either a loved one or a close relationship, it is hard on everyone both emotionally and financially.
  • We work with our clients to outline a clear plan for what long-term care might look for and the best way to fund it. We also help get any documents and policies prepared before an event ever happens.
 

4. Annuities

  • There are so many different types of annuities available in the marketplace now, that it can be extremely difficult to evaluate their purpose.
  • Our goal is to help you understand the products and how (if) they might make sense for your specific situation. 
  • We do not ask our clients to utilize any investments that they do not understand, especially complex products like annuities.
 

5. Medicare

  • Medicare is an important component for our clients as they enter that phase of their lives (65+). We have the knowledge and resources to help our clients navigate some of the decisions that come along with enrollment and while enrolled.
  • We also help our clients understand that their income level can increase or decrease their Medicare premiums, making it important to plan ahead for distributions from retirement accounts that are taxable as income.
 

6. Home and Auto Insurance

  • While these policies seem simple in nature, it is important to review the coverage amounts to ensure that your assets are adequately covered.
  • In recent years, we have had fires destroy the homes of several of our clients. We cannot stress enough how important it is to review your coverages so that an already stressful situation does not become more of a financial burden than it already is.
 

7. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)

  • HSAs are a great tool for setting aside funds for potential medical expenses. We encourage our clients to utilize HSAs if they qualify and educate them on some of the finer details of how the accounts function, long-term.
  • HSAs have unique tax-characteristics that make them beneficial to utilize. They have their own rules and limitations, however, that are important to understand.
 

1. Life Insurance

  • There are many different philosophies around the need for life insurance and which policies to purchase.
  • We work with you to help you understand our beliefs and how the various products might serve you best, if needed.
  • Ultimately, it might make sense to refer you to an insurance specialist if we agree that it will be the best decision for you.
 

2. Disability Insurance

  • Understanding how you and/or your loved ones are covered by disability insurance is important to ensuring your financial future.
  • There is short- and long-term disability policies that provide income in the event that you are unable to work for certain periods of time.
  • Our goal is to help you understand your policies, if you have them, and make sure that you are asking the right questions to your providers. We also want to make sure that your coverage is adequate and accounted for in our planning.
 

3. Long-Term Care (LTC) Insurance

  • Most of us have had to experience a long-term care event. Either a loved one or a close relationship, it is hard on everyone both emotionally and financially.
  • We work with our clients to outline a clear plan for what long-term care might look for and the best way to fund it. We also help get any documents and policies prepared before an event ever happens.
 

4. Annuities

  • There are so many different types of annuities available in the marketplace now, that it can be extremely difficult to evaluate their purpose.
  • Our goal is to help you understand the products and how (if) they might make sense for your specific situation. 
  • We do not ask our clients to utilize any investments that they do not understand, especially complex products like annuities.
 

5. Medicare

  • Medicare is an important component for our clients as they enter that phase of their lives (65+). We have the knowledge and resources to help our clients navigate some of the decisions that come along with enrollment and while enrolled.
  • We also help our clients understand that their income level can increase or decrease their Medicare premiums, making it important to plan ahead for distributions from retirement accounts that are taxable as income.
 

6. Home and Auto Insurance

  • While these policies seem simple in nature, it is important to review the coverage amounts to ensure that your assets are adequately covered.
  • In recent years, we have had fires destroy the homes of several of our clients. We cannot stress enough how important it is to review your coverages so that an already stressful situation does not become more of a financial burden than it already is.
 

7. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)

  • HSAs are a great tool for setting aside funds for potential medical expenses. We encourage our clients to utilize HSAs if they qualify and educate them on some of the finer details of how the accounts function, long-term.
  • HSAs have unique tax-characteristics that make them beneficial to utilize. They have their own rules and limitations, however, that are important to understand.
 

1. Life Insurance

  • There are many different philosophies around the need for life insurance and which policies to purchase.
  • We work with you to help you understand our beliefs and how the various products might serve you best, if needed.
  • Ultimately, it might make sense to refer you to an insurance specialist if we agree that it will be the best decision for you.
 

2. Disability Insurance

  • Understanding how you and/or your loved ones are covered by disability insurance is important to ensuring your financial future.
  • There is short- and long-term disability policies that provide income in the event that you are unable to work for certain periods of time.
  • Our goal is to help you understand your policies, if you have them, and make sure that you are asking the right questions to your providers. We also want to make sure that your coverage is adequate and accounted for in our planning.
 

3. Long-Term Care (LTC) Insurance

  • Most of us have had to experience a long-term care event. Either a loved one or a close relationship, it is hard on everyone both emotionally and financially.
  • We work with our clients to outline a clear plan for what long-term care might look for and the best way to fund it. We also help get any documents and policies prepared before an event ever happens.
 

4. Annuities

  • There are so many different types of annuities available in the marketplace now, that it can be extremely difficult to evaluate their purpose.
  • Our goal is to help you understand the products and how (if) they might make sense for your specific situation. 
  • We do not ask our clients to utilize any investments that they do not understand, especially complex products like annuities.
 

5. Medicare

  • Medicare is an important component for our clients as they enter that phase of their lives (65+). We have the knowledge and resources to help our clients navigate some of the decisions that come along with enrollment and while enrolled.
  • We also help our clients understand that their income level can increase or decrease their Medicare premiums, making it important to plan ahead for distributions from retirement accounts that are taxable as income.
 

6. Home and Auto Insurance

  • While these policies seem simple in nature, it is important to review the coverage amounts to ensure that your assets are adequately covered.
  • In recent years, we have had fires destroy the homes of several of our clients. We cannot stress enough how important it is to review your coverages so that an already stressful situation does not become more of a financial burden than it already is.
 

7. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)

  • HSAs are a great tool for setting aside funds for potential medical expenses. We encourage our clients to utilize HSAs if they qualify and educate them on some of the finer details of how the accounts function, long-term.
  • HSAs have unique tax-characteristics that make them beneficial to utilize. They have their own rules and limitations, however, that are important to understand.

Insurance is an important tool in planning for your future. We want you to understand the various ways to use insurance and make sure that your coverages are adequate and that you are properly protected. 

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