Insurance Planning

The value of the role that insurance plays in life has increased for many people. We can help you develop a well-constructed insurance plan, that will benefit your current financial situation and help reduce the chances of future financial challenges (taxes first comes to mind).

Insurance provides peace of mind, protection and opportunity.  We will work with you through an initial insurance-needs analysis to determine your insurance requirements. Then we will create a unique strategy to protect you and your family’s financial well-being.


  • Manage risk and protect your income Policies for managing risks to your financial plan like life, critical illness or disability are important when protecting your family from an unforeseen loss of income or from unplanned expenses.
  • Protect the value of your estate Insurance does more than protect you. It is also an opportunity to accumulate additional savings for retirement or to leave more of your wealth, tax-free, to the people or causes you care about.
  • Guaranteed income you can never outlive An important foundation of your retirement plan could be a life annuity that may provide a guaranteed foundation for your retirement income.


Our goal is help you gain mileage from your financial resources.  A product should not be the focus of the plan.  Rather, the right product should be selected and then implemented in the most appropriate manner, that are in alignment with your specific goals and concerns.


You may be asking:

  1. How long can I survive without an income?
  2. What percentage of income does my family require to maintain our standard of living?
  3. Where would my income come from if I were not able to work?
  4. Is my group benefits at work sufficient or insufficient?
  5. How much insurance do I need and why?