Insurance analysis & Consulting
Insurance That Works with Your Wealth — Not Against It
When you’ve spent years growing your wealth, the wrong insurance coverage can quietly undermine everything. Too little protection invites risk. Too much wastes capital. And uncoordinated policies often fail to show up when you need them most.
That’s why we don’t treat insurance as a one-time product sale. We treat it as part of your overall financial architecture — built to match your lifestyle, your family’s needs, your business exposure, and your long-term goals.
Make Sure Your Coverage Supports the Life You’ve Built
An Integrated, Impartial Review Process
We start by reviewing your existing insurance policies: life, disability, long-term care, liability, and more. We evaluate what you’re paying, what’s covered, and what’s missing — all in the context of your financial plan.
From there, we help you prioritize what to keep, adjust, or explore — and if you need updated coverage, we can work with your insurance professional or bring in someone from our vetted network.
What We Review & Coordinate
We evaluate how insurance fits into your personal and professional life:
- Is your life insurance appropriate for your current net worth and estate planning needs?
- Could you self-insure instead of paying premiums that no longer make sense?
- Do your disability and long-term care policies actually reflect your risk profile?
- Are your liability protections enough to cover the value of your assets?
- Does your insurance strategy align with your business interests and succession plan?
- Are your beneficiaries up to date — and coordinated with your estate plan?
Common Financial Questions We Help Answer Every Day
Do I really need to review my insurance if nothing has changed?
Yes — because life has likely changed more than you think. Your net worth may have grown, your business might be exposed to new risks, or your beneficiaries may no longer reflect your wishes. A review ensures your coverage keeps up with your reality.
Can you help me understand what I already have?
Absolutely. Most clients come to us with existing policies they don’t fully understand — or that were sold to them years ago without much strategy. We’ll break down what you own, what it covers, and how it fits (or doesn’t fit) your current situation.
Will you try to sell me a new policy?
No. We are not insurance agents and we don’t earn commissions. Our advice is completely objective. If we recommend new coverage, it’s because it serves a clear purpose — and we’ll help you source it through your provider or one of our trusted partners.
Is life insurance still important if I have significant assets?
It can be — depending on your estate tax exposure, business obligations, liquidity goals, or legacy plans. We’ll help you determine if it makes sense to keep, convert, reduce, or eliminate what you have.