Risk management is intended to minimize financial and other losses potentially associated with risks to your money, assets, health, or business. These risks come in the form of lawsuits, accidents, property damage, and other financial risks that are facts of everyday life.  Planning for the risks that are all around you may require several pieces of protection. From the basic asset protection to the comprehensive wealth and business transfer program, risk management planning looks to transfer the risk of these events through several methods. Your first line of defense is to identify your sources of risk and then to plan to either avoid or minimize the major exposures. Your last line of defense is insurance. 

When it comes to protecting the people and things that are most important to you, a thorough insurance strategy shouldn’t be overlooked. A strategy can include personal insurance, liability insurance, life insurance, long-term care insurance, annuities and many others. As an independent firm, we have the ability to focus on you and tailor your specific investment and insurance needs without being limited to a particular company.  We are also able to work directly with insurance brokers/agents to provide you with the additional insurance needs that we cannot provide in order to complete a comprehensive insurance experience.

Remember, Insurance transfers the financial risk of life's events to an insurance company.  So, a sound Risk Management or insurance strategy can help protect your family from many of the financial consequences of those everyday events.

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