Why Insurance Matters in Your Wealth Plan

We offer life insurance, disability insurance, long-term care coverage, and annuity solutions — all through a fiduciary, planning-first lens.

We work with a wide range of carriers to help you secure the right protection strategy for your family, income, and long-term goals. Whether you need term life insurance, permanent insurance, income protection, or planning for future care needs, we help you understand the options and select coverage that aligns with your financial plan. 

We calculate your insurance needs based on your income, debts, assets, dependents, lifestyle, and long-term goals.

We assess your current financial picture — including cash flow, liabilities, retirement goals, and family responsibilities — to determine the amount and type of insurance that protects your income and wealth. Every recommendation ties back to your comprehensive financial plan. Nothing is cookie-cutter or sales-driven. 

Annuities are insurance products, and we evaluate them only when they fit your long-term income or protection strategy — never as a default investment option.

Annuities can play a role in secure income planning, retirement protection, or long-term guarantees. We educate you on how they work, compare options, and help you understand whether they align with your goals. Annuities are always part of our Insurance Solutions, not our Wealth Management offerings. 

We are independent — which means we have access to multiple carriers and solutions, not just one company’s products.

Independence allows us to compare policies across several reputable carriers to ensure you’re getting strong coverage, competitive pricing, and the right features for your needs. Your plan drives the recommendation — not a carrier relationship. . 

Yes — all insurance decisions are integrated into your financial plan for long-term clarity and confidence.

Insurance isn’t a standalone product. It’s part of your protection strategy, retirement planning, tax planning, and legacy goals. We build your insurance recommendations alongside your investments, retirement projections, and business strategy so everything works together seamlessly.