Life insurance is more than protection—it’s a cornerstone of estate and legacy planning. With the guidance of a CFP® professional, we help structure policies that provide security for loved ones, protect wealth, and support long-term planning objectives.

Life Insurance Solutions

Term Life Insurance – Cost-effective coverage for a set period, ideal for income replacement or debt protection during working years.

Whole Life Insurance – Permanent coverage with guaranteed cash value accumulation and lifetime protection.

Indexed Universal Life Insurance – Flexible policies that link cash value growth to market indexes while protecting against downside risk.

Survivorship (Second-to-Die) Life Insurance – Designed to cover estate taxes and preserve family wealth, paying benefits upon the second insured’s passing.

Variable Universal Life Insurance – Combines flexible premiums with investment options for those seeking both protection and market-driven growth potential.

Private Placement Life Insurance (PPLI) – Specialized solutions for high-net-worth individuals offering tax-advantaged investment growth and estate planning efficiency.

Every life insurance strategy we build is integrated with your overall financial and estate plan, ensuring your protection supports your legacy.

Your earning power and your ability to care for yourself are among your most valuable assets. Protecting them is essential to maintaining financial security and peace of mind. With guidance from a CFP® professional, we design solutions that safeguard your income and provide care options when you need them most.

Protection Solutions

Individual Disability Income Protection – Replaces a portion of your income if an illness or injury prevents you from working, helping you maintain your lifestyle and financial commitments.

Business Overhead Expense Coverage – Ensures business continuity by covering operating expenses if the owner is unable to work due to disability.

Traditional Long-Term Care Insurance – Provides coverage for in-home care, assisted living, or nursing home expenses, reducing the financial burden on family.

Hybrid Long-Term Care Insurance – Combines life insurance with long-term care benefits, offering protection with the flexibility of dual-purpose coverage.

Working with a CFP® professional ensures these protections are not stand-alone policies, but part of an integrated financial strategy that protects your income, your business, and your long-term care needs.

A well-designed business continuity plan ensures your company can withstand unexpected events and transitions without jeopardizing its long-term value. With the expertise of a CFP® professional, we help structure advanced planning strategies that secure your organization, protect key people, and preserve wealth for future generations.

Strategic Solutions

Buy-Sell Agreement Funding – Provides liquidity to execute ownership transfers smoothly and fairly in the event of death, disability, or retirement of a business partner.

Key Person Insurance – Protects your company against the financial impact of losing critical executives, ensuring stability during transition.

Executive Bonus & Deferred Compensation Strategies – Incentive-based benefits designed to retain top talent while balancing tax efficiency and long-term planning.

Restricted Property Trusts – Advanced structures that allow business owners to leverage tax benefits while building long-term wealth through life insurance funding.

Premium Financing Strategies – Enables high-net-worth clients to secure large insurance policies using third-party financing, preserving liquidity for other priorities.

Insurance Funding for Special-Needs Trusts – Ensures long-term care and financial security for dependents with special needs through dedicated policy design.

With the right planning, your business and personal legacy can continue uninterrupted, no matter what challenges arise. Guided by a CFP® professional, we align continuity and advanced planning strategies with your overall financial vision.

Protecting your lifestyle and your business requires more than just standard coverage. With guidance from a CFP® professional, we deliver customized insurance solutions that safeguard what matters most—whether it’s your home, your family, or your company’s future.

Personal Coverage

Homeowners Insurance – Comprehensive protection for your residence, personal belongings, and liability exposure.

Automobile Insurance – Tailored policies that keep you covered on the road.

Personal Umbrella Liability – Additional liability protection beyond the limits of standard home and auto policies.

Yacht & Watercraft Insurance – Specialized coverage for vessels of all sizes, ensuring peace of mind on the water.

Collectibles & Fine Art Coverage – Protection for rare and valuable collections, with appraised-value policies.

Jewelry Insurance – Coverage designed for treasured pieces against theft, damage, or loss.

Commercial Coverage

Business Owners’ Policies (BOP) – Streamlined protection combining property, liability, and business interruption coverage.

Commercial General Liability – Safeguards your business from third-party claims of bodily injury, property damage, or advertising injury.

Commercial Property Insurance – Coverage for buildings, equipment, and inventory against fire, theft, or other covered events.

Workers’ Compensation – Compliance-focused protection for both employers and employees in the event of workplace injury.

Cyber Liability Protection – Defense against data breaches, cyberattacks, and other digital exposures.

Working with a CFP® professional means your insurance strategy aligns seamlessly with your overall financial plan—so every policy fits into the bigger picture of your security and success.