Protection Analysis

Protect your downside

Minimizing risk is an integral part of financial planning. We don't sell insurance, but we can help you evaluate appropriate and affordable options. Ask yourself these questions:

• How stable is my job, and how dependable is the health, life and disability insurance that it provides?

• How predictable is my health? 

• How sustainable is my lifestyle if my situation changes?

We ask these questions, and we may recommend that you embrace risks with appropriate levels of disability, long term care and life insurance. We examine your insurance policies (including annuities) to see if you are paying too much on commissioned products. We guide you toward lower costs with no-load (non-commissioned) policies.

Perhaps your current coverage is appropriate, or perhaps you might choose to avoid coverage. For example, after weighing the costs and potential benefits for your particular situation, you might or might not decide to purchase long-term care insurance. At some point, it might be appropriate to discontinue life insurance policies altogether.