Asset Protection

We believe insurance is essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to help you pursue goals like buying a house or retiring comfortably.

We have access to a variety of insurance products that can help meet your financial planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan. A customized risk management strategy is essential to a well developed financial plan. We will prepare an analysis of all your current insurance contracts, including employer sponsored coverage, and calculate the proper amounts to carry in order to protect your family and your income. This is reviewed on an ongoing basis as your circumstances change.

  • Life Insurance
  • Disability Insurance
  • Retirement Security Insurance
  • Long Term Care Insurance 

Life insurance

In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

The advantages of life insurance can include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

We can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan.

Disability Insurance 

Help protect one of your most valuable assets – your income – from unexpected events through disability insurance. 

In a world where retirement benefits are increasingly provided through defined contribution plans, disability continues to be a major financial and life-altering risk facing individuals in an adult's working lifetime. You work hard for your income and are consistently saving monthly. But have you thought about what would happen if a long-term illness or injury kept you from working? Sure, you may have emergency savings to help pay the bills for a little while. But what if that illness or injury keeps you out for several months, a year of longer? It's possible that you could lose your:

  • Standard of living
  • Home
  • Peace of mind
  • Credit rating
  • Retirement savings/other assets

Your ability to earn an income is your biggest asset. For many individuals, this is the most important insurance they can own, and is typically found in a well-constructed plan.

Retirement Security Insurance

Chances are, your retirement savings are not protected if you become disabled. It's difficult enough saving for retirement when everything is going fine. But what if you became disabled? What would happen to your retirement dreams if you could no longer save for the future? A period of disability often means no more retirement savings, and it may mean that accumulated savings are withdrawn and spent for immediate expenses. Since you would be most concerned about keeping current with all your monthly bills, it's possible that contributions to the following would stop:

  • Your employer-sponsored 401(k) plan (also forfeiting employer matching contributions)
  • Social Security
  • Current pension plans
  • College 529 plans, IRAs, HSA's and other investment accounts

This type of coverage pays benefits to a trust that you can access later as tax-free retirement income. That means you can continue to save for retirement even if you're too sick or hurt to work. If your income is disrupted by a disability, you could lose out on months or years of contributions and potential growth on those assets. Don't let a disability ruin your retirement. It's important that your retirement savings continue whether you are working or not and this type of coverage is typically found in a well-constructed plan. If premiums on these contracts are paid by an individual, the retirement benefits paid are tax-free.

Long Term Care Insurance

One reality that is almost inevitable is the need for long term care - for yourself or someone you care about. In fact, about 70% of Americans over 65 will need some form of long-term care. Even those under 65 face the risk of injury or illness that could require long-term care. And it can be expensive.

The good news: planning for there expenses might be easier than you think. Long-term care insurance is specifically designed to help cover those expenses, and it can be configured in any number of ways to fit your needs. That puts you back in control.

How much could long-term care cost?

According to the Genworth 2021 Cost of Care Survey, nationally, the cost for long-term care can range from $48,000 per year for a Home Health Aide to $96,000 per year for a private nursing home.

What are your options?


If you have a significant amount of money set aside that you won't need for retirement expenses, it could be a source of funds for long-term care costs. Or, if a loved one needs long-term-care, your income may be adequate to cover their expenses.

Family and Friends

Some people plan to rely on family and friends. This may be a great solution for families committed to providing care, but it is often far more physically and emotionally demanding than people realize and it may put stress on cherished relationships.


Some people plan to use programs like Medicare if they need care. Medicare generally covers skilled nursing home care after a hospital stay of at least three days, but its coverage for other long-term care services is very limited. Care must be received in an approved facility. Medi-Cal can contribute toward long-term care, but it requires recipients to use their income to pay for care and spend down most of their assets to qualify.

Long-term care insurance

Few of the options for paying long term care expenses can give you the control and sense of security of a long-term care insurance plan. It can help you maintain your lifestyle and protect your assets and savings. Equally important, it lets you choose where and how to receive care and services. If you qualify, long term care insurance can be a practical, cost-effective way to help pay the high costs of long-term care services.


This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This content is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.