Protecting the People Who Depend on You
Life insurance is one of the most direct ways to protect your family's financial security. We help you evaluate your life insurance needs and options, so your loved ones are protected no matter what happens.
- A review of your life insurance needs and current coverage
- Guidance on policy types and how they fit your situation
- Coverage built around your family's actual financial needs *Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices.
Protecting Your Income, Not Just Your Assets
Your ability to earn an income is one of your biggest financial assets — and one of the easiest to overlook when planning for risk. Disability income insurance helps protect that income if illness or injury keeps you from working.
- Protection for your income if you're unable to work
- Guidance on coverage that fits your occupation and needs
- Coordination with your broader financial plan *Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices.
Planning Ahead For The Cost Of Care
Long-term care is one of the biggest unplanned expenses many families face later in life. We help you plan ahead, so a future care need doesn't derail the rest of your financial plan or place a burden on your family.
- Planning for the potential cost of long-term care
- Options to help protect your other assets and goals
- Guidance built around your family's specific situation *Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices.
A Stable Option For Part Of Your Portfolio
Fixed annuities offer a predictable, stable option for a portion of your portfolio, with a guaranteed rate of return over a set period. We help you understand whether a fixed annuity fits into your broader financial plan.
- A stable, predictable option for part of your portfolio
- Guidance on how fixed annuities compare to other options
- Consideration of how an annuity fits your broader plan *Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.
Growth Potential with Downside Protection
Fixed indexed annuities offer the potential for growth tied to market index performance, while protecting your principal from market losses. We help you understand how this balance of growth and protection might fit into your plan.
- Growth potential linked to market index performance
- Protection against market losses
- Guidance on how it fits with your other investments *Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.
Building a Reliable Income Stream
For some clients, having a portion of retirement income guaranteed — regardless of market performance — provides real financial confidence. We help you explore options like annuities that can provide guaranteed income as part of your broader retirement income strategy.
- Options for creating guaranteed retirement income
- Guidance on how much of your portfolio, if any, makes sense here
- Coordination with your overall retirement income plan — see our Retirement Planning page for the full picture *Guarantees are based on the claims-paying ability of the issuing insurance company. Annuities are insurance products and may not be suitable for all investors. Fees, expenses, and surrender charges may apply.
Protecting Your Business from a Critical Loss
If your business depends heavily on one or two key people, losing one of them unexpectedly can put real financial strain on the company. Key person insurance helps protect your business against that risk.
- Protection against the financial impact of losing a key employee or owner
- Guidance on how much coverage makes sense for your business
- Coordination with your broader business planning — see our Business Financial Planning page
Making Sure Your Buy-Sell Agreement Actually Works
A buy-sell agreement is only as strong as its funding. We help business owners put funding strategies in place, so the agreement can actually be carried out when the time comes.
- Funding strategies to support your buy-sell agreement
- Guidance on options like life insurance funding
- Coordination with your business succession plan