Insurance can be purchased at many different moments in time. We review your insurance portfolio to see if it still fits your plan today. As needed, and where insurance is the right answer, we facilitate the placement.
What we evaluate
- Long-term care, multiple solutions exist (traditional LTC, hybrid life/LTC, asset-based, self-insured).
- Annuities, evaluated against your retirement income plan — used selectively for guaranteed income, longevity protection, or tax deferral when warranted.
- Disability, critical for working-age clients, especially business owners and physicians.
- Medicare, Original Medicare vs. Medicare Advantage, Part D, supplemental Medigap.
How we handle commissions and conflicts
Our advisory fee is your fee. Where insurance or an annuity is the right answer for your plan, the placement may involve a commission. We disclose this to you in writing before any recommendation is implemented, and we don't lead with insurance products as a starting point — the plan does.