Protection Planning

True wealth preservation helps insulate your assets from life’s unexpected challenges with a set of strategies and tools that work together to form a safety net. As part of our Five Pillars approach, protection planning integrates seamlessly with your overall investment strategy, ensuring your insurance coverage supports rather than competes with your other objectives.

We start by analyzing your current coverage in a comprehensive review, then identify gaps and optimization opportunities across four key areas of protection:

Life insurance has evolved far beyond simple death benefits, and in fact we like to think of life insurance as its own asset class. Today’s versatile policies can serve multiple purposes in your financial strategy, such as:

• Provide family financial security and peace of mind upon death
• Offering living benefits for you during your lifetime
• Creating tax-advantaged wealth transfer and borrowing opportunities

Whether term, whole life, or universal life makes sense depends on your specific goals, timeline, and family situation, but our holistic advisors can help you make that determination.

With healthcare expenses remaining a significant expense, having the right insurance coverage becomes increasingly critical for helping protect one’s retirement nest egg. Medicare planning in particular requires careful timing and consideration of supplement options. We can help you navigate these decisions so your coverage meets your needs without overpaying for unnecessary benefits.

Your earning capacity is typically your most valuable asset, yet it’s often the least protected. Disability insurance bridges the gap if illness or injury interrupts your income, allowing you to maintain your lifestyle and continue building toward your financial goals rather than depleting existing savings.

Long-term care costs represent one of the greatest threats to your retirement. These expenses can quickly erode decades of careful saving, affecting not just your quality of life but potentially your family’s as well as your ability to leave a legacy. Strategic long-term care planning helps ensure you have choices and control over your future care while safeguarding your family’s financial well-being.

Your risk management needs aren’t static, they evolve with your career, family, and financial circumstances. Our collaborative approach considers any of these changes by addressing the questions that matter most:

• Is your current coverage adequate as your income grows?
• How do tax implications factor into your insurance decisions?
• What’s the right balance between coverage and cost?
• How should you prepare for premium changes over time?

Rather than applying one-size-fits-all solutions, we work with you to build a strategy that adapts to your changing needs while supporting your broader financial objectives.