Risk management should form the cornerstone of any financial strategy.  Preparing for risks is a vital part of your financial well-being, and a crucial component of a solid financial plan. Unexpected life events can cause even the best-laid plans to go awry.

Why is insurance such a key part of my overall financial plan?

There are few financial topics more important than insurance. 

No matter how diligently you build your investment and retirement accounts, failing to purchase adequate insurance can put you or your family in a desperate situation in an instant. Death or disability can wreck your financial security… and the security of those you love.

Together, we'll develop a plan to answer these concerns:

1. What types of insurance do I need?

2. How much insurance do I need?

3. How can I get the necessary coverage at the lowest cost?

Annuities as risk management tools

Longevity can have a profound impact on your standard of living. This is known as "longevity risk". The number-one concern of most retirees is: “Will my retirement nest egg last a lifetime?” Longevity risks are especially important for women, who commonly live longer than men. (source)

Annuities offer protection of principal and guaranteed income you cannot outlive. We will help you determine if an annuity is the right choice for you.