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Asset Protection and Risk Management strategies

It is often believed that sufficient insurance planning is as simple as checking off a list of insurance coverages in yes or no format.  This half-hearted approach is inadequate in a space that has become increasingly nuanced and often leads to a false sense of protection, particularly when it comes to life insurance.  Life insurance can help protect your family or business from financial hardship, or can be used simply to leave a legacy for your loved ones.  The death benefit that is received by your named beneficiaries is generally free of federal income tax and can be used for a variety of purposes including daily living expenses (income replacement), home expenses (pay off the mortgage), education (safeguard the college fund), retirement (ensure a comfortable retirement for your spouse), final expenses (estate taxes, funeral costs, outstanding medical bills), and business continuation.  There are many different types of products and riders available in the marketplace today.  We are committed to helping our clients confirm that they have the appropriate amount of coverage, the appropriate type of coverage that aligns with their needs and objectives, and that their coverage and policy provisions are keeping pace with the changes in their lives.