Insurance is vital part of a financial plan and we specialize in customizing the right type and amount of insurance based on the specific needs of our clients. Generally speaking, consumers buy term life insurance in their 20s and 30s while income is lower and expenses are higher, permanent life insurance in their 40s as income grows, and long-term care insurance in their 50s and 60s. As independent insurance agents, we are not beholden to just one insurance company, which means we are able to shop for the type of insurance that is best suited for our clients.


If you have an old cash value life insurance policy that hasn’t performed as expected, your policy may be in jeopardy of lapsing. However, it’s possible to not only save a policy that has underperformed, it’s quite possible to transfer that policy, free of income tax, to a more suitable policy, such as a long-term care policy. In fact, since most of our clients are over the age of 50, we “save and repurpose” old policies on a regular basis, especially since so many people neglect to switch from being heavily insured on the life side to being insured against long-term care as they age.

Tying In All Together.

Proper financial planning doesn’t just involve your investments; it takes into account your entire financial picture. That means comprehensive financial planning takes into account everything from your investments, insurance, estate plan and taxes. A knowledgeable Certified Financial Planner™ practitioner has the background and experience to know that advising in one area, such as investments, means another area of finances, such as income taxes, can be impacted.


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