Protection built on analysis
We evaluate life, disability, health, property, liability, and long-term care exposures through a holistic lens. Our goal: transfer catastrophic risks you can’t afford to keep, and self-insure what you can.
Your coverage is coordinated with cash reserves, debt, dependents, business interests, and overall financial plan—so deductibles, limits, and riders make sense together.
Assessment process & strategy
Our process: inventory risks → analyze probabilities & impact → select transfer/retain strategies → implement policies → monitor renewals & life events. We benchmark premiums and carriers, and we don’t oversell—coverage is sized by need, not by product.
Assess
Design
Implement
What’s included
How we evaluate coverage
Coverage decisions balance probability and severity. We transfer low-probability/high-severity events (e.g., liability lawsuits) and retain high-probability/low-severity events (e.g., minor property damage) via higher deductibles—lowering premiums without raising real risk.
Common modules
Income protection
Property & liability
Health & LTC
Business/owner risks
What we need from you
Who this is ideal for
Families, professionals, and business owners who want confidence that “big risks” are covered without overpaying for “small risks.”
Review cadence
Annual renewal reviews, plus ad-hoc updates for life events (home purchase, new drivers, job change, marriage, children, liquidity events).
Getting started
Book an introductory call to confirm scope. We’ll outline deliverables, timelines, and fees before any commitment and coordinate quotes if needed.