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When we think of financial planning, we think about wants and needs. You may not “need” life insurance, but you may want it. Why? Life insurance can supplement your retirement income, enable you to leave a legacy, to name but a few of many possibilities.

The use of insurance improves situations 99.9% of the time. As a financial tool, life insurance is that good.

The phrase appears to have been coined by the Primerica founder, who purchased an NHL franchise from his financial firm’s success. It can be a precarious strategy that may work for you. The strategy redirects premiums from whole life to term insurance with the remainder being invested. Whole life insurance and stock market investments are very different assets and should be considered separately as part of your plan.

They are critical illness and disability insurance. Critical illness insurance (referred to CI) was created by a physician who witnessed the impact on savings for individuals who suffered from a critical illness. This insurance covers the big three (cancer, heart attack and stroke) and provides comprehensive coverage for many other ailments. Disability insurance (referred to DI) is referred to as insurance for your income. Your ability to earn an income is your greatest asset.

Is the insurance provided to members or employees under a group plan. This can be a great complement to individual insurance. There are limitations to these plans, including restrictions on amounts and conditions covered. When you purchase this for your organization, the pricing is not fixed. Also, transitioning coverage once you leave an organization may present several challenges.

It all starts with a conversation. We want to understand what money means to you and what you want your future to look like.

We become what we focus on. We believe this because we see this in ourselves and our clients every day.

Planning is essential at every phase, whether you are in the growth, income or legacy stage of your life. Typical financial plans ask you to guess your income and work from there. We do a deep dive together and study your operations, customers and personnel to develop fact-based targets and a concrete plan.

Nope. This is your life we’re talking about. We dig into what matters to you and what you truly want. Then, we plan it out. Don’t worry; after the heavy lifting, we’ll take care of things and connect to monitor progress or changes in your choices.

Understanding equals opportunity. Unless your wealth came from putting money on red, you’re probably really good at what you do. When you grasp the process, products and tools, they start to work hard for you.