Insurance Planning Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of wealth planning. Adequate planning now can help prevent a lifetime of assets from falling short when you need them most.LifeLife insurance products offer a spectrum of death benefit protection, spousal coverage and cash-value accumulation features for a variety of needs. Life insurance is also used as an important estate planning tool, helping to ensure that your beneficiaries and heirs aren’t saddled with an undue estate tax burden. After a careful analysis of your situation and objectives, we can help you obtain the coverage that meets your needs, choosing among insurance programs from many of the nation’s leading providers.DisabilityMost likely, the ability to work and generate income is one of your most valuable assets, and protecting it is paramount to pursuing both short- and long-term financial goals. Disability insurance helps guard your income and lifestyle from unexpected interruptions during your working years. Adequate disability coverage can ease the burden of lost income or wages while you recover from an accident or illness. It can also help prevent the depletion of savings, or being forced to sell investments at an inopportune time to raise cash for living expenses. We work with many of the nation’s leading insurance providers to tailor income-replacement coverage to your specific needs, adding the features that are most important to you and your family.Long-Term CareLong-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring that your healthcare needs, and those of your loved ones, are covered well into the future.Long-term care insurance can help:Pay for the care you need when you can no longer care for yourselfPreserve your independence and dignityAllow you to remain in your home while receiving the quality and level of care you requireProtect your family’s financial future and your legacyWhen planning for long-term healthcare needs, it’s important to keep in mind that:Medicare is not nursing home insurance and does not cover long-term carePrivate medical insurance or Medicare supplement plans do not cover maintenance carePlease note that all insurance business is conducted through the brokerage side of the firm, not the advisory.