Risk Management

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High Net Worth Risk Management via Insurance

We sincerely hope none of our clients are ever effected by a sudden, financially catastrophic event.  Hope however is not a sound financial strategy, which is why developing and implementing cost effective risk transfer strategies is crucial to protecting your family and business.  Our team of dedicated Insurance Specialists, with access to dozens of quality insurance companies, assists in establishing the optimum combination of ratings, funding, documentation, tax efficiency, etc.



A well-designed wealth plan may include several types of insurance:

  • Life (LI):  Utilized to replace income loss due to an unexpected death, as well as to provide liquidity to pay estate taxes or funding a business succession.  If properly structured, proceeds may be realized in an income tax and estate tax free manner.
  • Disability (DI):  If you are unable to work, DI protects your ability to meet your financial obligations by replacing at least a portion of your pre-disability earnings.
  • Long-Term Care (LTC):  Provides funding for respite care, adult day care, in-home care, assisted living facilities, and nursing home stays, protecting assets and a surviving spouse’s on-going cash flow needs.