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Risk Management

No plan is complete without risk management.  Some of the risks that are most likely to derail a financial plan are untimely death, becoming too sick or too injured to continue working, or an extended long term care need.  There are insurance strategies we can use to address each of those risks, or after careful thought we can help clients decide to retain those risks.

  • Untimely Death: Life insurance can be used to cover the risk of loss of income after the death of a breadwinner, or provide liquidity needs for a business or an estate.
  • Disability during working years: Disability income insurance can be used to replace income for a working age person who through illness or injury becomes unable to continue working.
  • Extended Long Term Care Need: Long term care insurance can be used to help cover the devastating costs of an extended long term care stay.

Each of those areas is complex, with many different options.  Our team can consult with you to help determine if you need one or more of these important protections in your plan.

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