Insurance Solutions

Financial Protection

Overview

Overview

Navigating the process of choosing the appropriate types of insurance can be overwhelming, but our team is here to help. We'll work closely with you to develop a customized plan that provides the protection you need at a price you can afford, so you can feel confident that you and your family are financially secure, no matter what challenges you may face.

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Process

Insurance Solutions

Financial Position
Risk Management
Wealth Management
Tax Management
Retirement Planning
Estate Planning
Disability Income Insurance
Long Term Care
Permanent Life Insurance
Voluntary Group Benefits
Term Life Insurance
Insurance for Business Owners
Advice &
Planning

Let Us Direct You

Term Life Insurance

Term life insurance provides coverage for a set period of time at a generally lower cost than permanent insurance. Many term life insurance products allow you to convert to a permanent policy, such as whole life insurance. The cost of insuring oneself increases over time, so it’s important to understand your short- and long-term needs for financial security when you select a policy.

Permanent Life Insurance

Permanent life insurance offers lifelong financial protection as long as the policy remains in force. With various policy types available, permanent life insurance provides flexibility to help meet your unique needs and goals, such as Whole Life, Universal Life, Variable Universal Life Insurance, and Survivorship Life Insurance.

Disability Income Insurance

Disability income insurance is an important financial safety net that can provide you with a portion of your income if you become disabled and are unable to work. This type of insurance is designed to replace a portion of your income, allowing you to continue to pay bills and support yourself and your family even if you're unable to work due to an illness or injury.

Long Term Care

Long term care includes variety of services and supports to help meet personal care needs over an extended period of time. The benefits include helping perform Activities of Daily Living (ADLs). Long term care services are generally not covered under personal health insurance or Medicare because they are not intended to cure, improve or treat a specific medical condition. Medicaid may help individuals with income and assets below the state requirements.*

*For more information regarding benefits provided by Medicare or Medicaid (Medi-CAL in California) visit  http://www.cms.hhs.gov Medicaid guidelines vary by state. Contact your local Medicaid office for details.

Voluntary Group Benefits

Voluntary group benefits are benefits that an employer offers to its employees that are paid for by the employees themselves through payroll deductions. These benefits are typically optional, and employees can choose to enroll in the benefits that best fit their needs and budget. Examples of voluntary group benefits include disability income insurance, life insurance, and among others.

Insurance for Business Owners

No business plan is complete without a financial strategy for the unexpected. Start by exploring all your protection options. Then develop a long-term strategy that can help protect the continuity of your business should you, a partner, or key employee decide to retire, leave the business, or unexpectedly dies or becomes disabled.

Most business owners spend the majority of their time working in their business instead of on their business. We can help ensure that the business protection needs that are critical to the long-term success of your business are taken care of.

One Focus
Many Solutions

Fulfilling Your Legacy

Recommend insurance solutions that help protect you and your family against the unexpected.

Income protection | Tax reduction/deferral | Estate liquidity needs | Charitable gifting | Estate diversification | Wealth transfer strategies | Generation skipping implications

Maximize Wealth Strategy

Leverage assets to help you maximize wealth to your heirs and keep your legacy intact. Our team will provide comprehensive strategies for high net worth (HNW) individuals with significant estate or business planning needs. For appropriate High Net Worth clients, we can provide life insurance premium financing options as well.

Private Client Group

Provide a hands-on tailored approach to help meet the unique needs of affluent families and individuals.

Custom-designed wealth planning strategy | Personalized, high-touch service | Wealth transfer | Charitable gifting

Ready to Explore

Are you prepared for the unexpected? A comprehensive insurance strategy can help strengthen and support your protection needs.  It's time to safeguard your assets and ensure your financial resilience. Reach out to us now to arrange a consultation with one of our experienced insurance professionals.

Together, we will develop a personalized protection strategy designed to help shield you and your loved ones from life's unexpected events.
Take the crucial step towards securing your legacy and contact us today.

Get Started

We can help by educating you on the basics of personal finance and managing your expectations.