Risk management does not only involve risks you are willing to take in terms of investments. Life is full of risks, and despite our best-laid plans, sometimes the unthinkable happens.

By working with licensed insurance professionals, we look into and provide recommendations for areas such as:

• Life-insurance
• Disability
• Long-term care insurance

We view life insurance as a risk management tool, and the need for life insurance decreases as you build up assets to meet your needs in retirement. We also evaluate other types of insurance as appropriate for your unique situation. A thoughtful risk management (insurance) plan requires periodic evaluations to reassess objectives and sufficiency of coverages.