Risk management is very important to our clients.  When clients are concerned about the risk of premature death and the financial impact that may have on their family, we can help determine what type of life insurance may be necessary, if any.  For many of our clients, there is a rather high probability that they will need some form of long term care at some point in their retirement years.  How we help manage that risk depends on the client, and in some cases long term care insurance may be appropriate.  In cases where there is a genuine need for insurance, we advocate for the client with an insurance broker to find the most appropriate coverage for the best cost.  

In addition, we help businesses determine how they can provide employee health care coverage at a reasonable cost.  In a rapidly changing health insurance landscape, employers are faced with greater challenges when it comes to selecting a health insurance plan.  Similar to our life insurance process, we work on behalf of the client with an insurance broker to find quality coverage at an affordable price.