Our Insurance Planning Process
- Needs Analysis & Risk Assessment
We begin by identifying the financial risks that could compromise your long-term plans from income disruption and healthcare costs to estate taxes and longevity risk. - Coverage Evaluation
We review any existing insurance coverage to assess alignment, gaps, and cost-efficiency across life, long-term care, disability, and annuities. - Strategic Design
Based on your objectives, we design an insurance strategy tailored to your current and future needs. Where appropriate, we evaluate both permanent and term coverage options, long-term care solutions, or annuity structures to support retirement income and legacy planning. - Carrier Selection & Implementation
As fiduciaries, we work with an independent network of insurance providers to ensure objective recommendations and competitive underwriting. Our white-glove implementation process ensures transparency and coordination across your advisory team. - Ongoing Review
As life evolves, so should your coverage. We conduct regular reviews to adapt your insurance strategy to new life events, tax laws, or planning priorities.
Key Areas of Focus
- Life insurance (term, whole, and universal)
- Long-term care planning
- Disability income protection
- Annuity structures for retirement income
- Insurance trust and estate integration
For Those with Complex Responsibilities
For many of our clients, especially women who often support multiple generations, insurance provides a critical foundation for honoring both present responsibilities and future legacy goals. It protects your lifestyle, shields your loved ones, and ensures your intentions are fulfilled, even in the face of uncertainty.
Protect What Matters Most
Every chapter of your life carries responsibilities worth protecting. We help ensure that the wealth you’ve built, the people you care for, and the values you hold are supported with foresight and compassion so your plan remains strong, complete, and enduring.