Insurance & Annuities

Protecting your wealth is as important as building it. We help you evaluate insurance and annuity options that complement your financial plan, so you can safeguard your income, family, and retirement.
We help ensure your coverage evolves with your life and supports your long-term financial strategy.

Life Insurance

Provides financial protection for loved ones, helps cover debts, and can be structured to support estate or business continuity goals.

Annuities

Offer a predictable income stream during retirement, designed to supplement other savings and manage longevity risk.

Disability Insurance

Replaces a portion of income if illness or injury prevents you from working, helping protect your financial stability.

Long-Term Care Insurance

Helps offset costs of extended care, preserving assets and easing the financial impact on your family.

Frequently Asked Questions:

  • The right mix of insurance depends on your goals and stage of life. We’ll review existing coverage to identify gaps or overlaps.

  • We’ll analyze income replacement needs, debts, dependents, and legacy goals to calculate an appropriate coverage level for life insurance.

  • An annuity is a contract with an insurance company that provides guaranteed income for a set period or for life.

  • Pros for an annuity include predictable income and optional guarantees. Cons for an annuity may include limited liquidity and fees.
    We’ll help evaluate the right fit for your unique needs.

  • You should consider long-term care insurance generally in your 50’s or early 60’s, before health issues limit options or raise costs.

  • Disability insurance can supplement group coverage or provide additional protection if employer benefits are limited.

  • Ideally, insurance coverage should be reviewed annually, or after life changes such as marriage, home purchase, or retirement.