Protect your family, your income, and what you've built.

We review what coverage you have, identify gaps based on your financial plan, and recommend specific types and amounts of coverage, then help you get it in place. Unlike an insurance agent, we don't sell policies, so our recommendations aren't tied to a product we earn commission on. We look at life, disability, and liability coverage together with your broader financial plan and coordinate with your existing agent or a provider to implement changes.

It depends on your household's expenses, debts, income, existing assets, and how long you'd need coverage, so we calculate a number specific to your family rather than applying a flat rule like ten times your salary. We look at what your family would need to cover expenses, pay off debts, fund education goals, and maintain their lifestyle, accounting for both income earners and the financial value of a stay-at-home spouse's contributions. We generally favor term coverage for a defined period, like while raising children, when it fits.

Often not on its own. Employer group life coverage is frequently a flat amount or a multiple of salary that falls short of what a family would actually need, and it typically ends if you leave the job. We help you compare what's provided through work to your actual need and determine whether supplemental coverage makes sense.

Possibly, depending on the benefit. Many employer disability plans replace only a portion of income, cap the monthly benefit, or tax the proceeds, which can leave a meaningful gap, particularly for higher earners like physicians. We review your employer benefit and help determine whether additional individual coverage is appropriate.

Umbrella insurance adds liability protection beyond the limits on your home and auto policies. How much you need depends on your assets, income, and potential exposure, not a fixed formula. We review your current liability limits and help you decide on a coverage amount that reflects what you actually have to protect.

Yes. We help you evaluate whether keeping, changing, or surrendering a permanent policy makes sense, including the costs and potential tax consequences of each option. We don't assume a policy should automatically be surrendered. It depends on how the policy fits your current goals.

Review it after a major life change and periodically even without one. Children, a home purchase, a job change, a change in income, or other meaningful shifts in your finances are good triggers, and we also revisit your coverage as part of your ongoing financial plan.

No, we do not sell insurance or receive commissions or referral compensation. Insurance planning and coordination are included in your ongoing financial planning fee. If you purchase a policy, the premium is a separate cost paid to the insurance provider, not to us. Because our compensation doesn't depend on whether you buy a policy, our recommendations aren't influenced by a sale.