Broker Check

Risk Management

Mitigating the Risk of Unexpected Events

Taking the appropriate steps to mitigate risk is just as critical to your financial future as the many things you do everyday to generate income and create savings.

By addressing your financial life in its totality, you may be able to help prevent potential losses and maximize your ability to reap the rewards that an extensive education and years of hard work have earned.

There are three critical risk management initiatives that may be able to help you preserve and protect your current income stream, the value of your practice and the financial security for your family. Specifically, selecting the appropriate disability, long-term care and life insurance coverage should help you offset serious threats to your wealth.

Our experience serving doctors allows us to recommend the appropriate coverage for your age group and specialty. Our focus is your entire financial lifecycle, making each component an unique contributor to your plan. The strategy is that it:

  • may be funded with pre-tax dollars, making the most of earnings
  • offers the benefit of return of premium, providing cash back or the opportunity to re-invest (pay future premiums)
  • earns incremental income toward retirement

While most contributions are used in traditional investments, qualified retirement plans may also use a portion of pre-tax contributions for the purchase of life insurance (subject to the limitations of Revenue Ruling 74-307).

Types of Insurance:

We'll work with you to determine what types of insurance you may need, how much you'll need and finally how you may obtain the most appropriate plan(s) at the lowest cost. The strategy we build for you may include many different components such as:

  • Term Insurance
  • Whole Life Insurance
  • Index Insurance
  • Variable Insurance
  • Disability Insurance
  • Long-Term Care Insurance
  • Disaster Insurance
  • Business Insurance
  • Home Owners Insurnace
  • Property & Casualty Insurance

Because your needs are unique, we'll tailor the plan to protect what is most important to you.

Have a Question?

Thank you!