What events could jeopardize your financial security? How have you prepared to handle those events should they occur? We analyze clients’ risk-management programs and develop strategies to address potential gaps or unforeseen risk exposures. Our insurance and risk management analysis will identify those events that pose financial risks and outline options for addressing these issues. We analyze the suitability of life, disability, & long-term insurance policy types; coverage limits and premium efficiency; as well as life insurance ownership and beneficiary designations. In addition, we can also help in coordinating professionals to help with your property-casualty, liability, and commercial insurance.
Money. Where we get it and what we do with it is a personal subject. We all need money, and on some level, we are all concerned about having enough of it to maintain our standard of living and protect the ones we love.
If you’re like most people, you produce most of your income by working. Like most people, when times get hard, you probably find some way to earn enough money to get by until times get better.
In fact, many consumers actually plan for short-term financial crisis with emergency reserves. Most financial services professionals suggest that an emergency reserve fund should equal three to six months’ total income. An individual who earns $114,000 a year, therefore, should maintain a reserve fund of $28,500 to $57,000.
How prepared are you for life’s uncertainties?
If you were to die prematurely, become disabled, or perhaps even live too long, would it spell financial disaster for your family? It doesn’t have to if you’re properly protected. Life and disability insurance are just two examples of products designed to help protect you and your family from the financial hardship that can so often accompany these events.
Your income – the money you earn – provides the foundation for everything you do. From paying the mortgage to clothing your children to anything that makes you feel financially secure, everything is premised on having enough money.
Having the proper insurance coverage can help provide this money when you need it most.
Money pays for the necessities:
• Shelter Money also pays for the things we value and enjoy:
• An education for our children
• A comfortable retirement