Broker Check


After knowing what you have and where it is (Organize) and where you want to go (Plan), we must help ensure that your assets and strategies towards accomplishing your goals are protected. As part of your overall wealth strategy, we will work closely with you and with other professionals (where needed) to establish a complete protection plan meeting your personal objectives, needs, and financial resources.

A solid protection plan is needed to help ensure the accomplishment of both financial and non-financial goals. This plan must go beyond having the appropriate insurance coverage to safeguard against risks like disability, long-term care, premature death, property losses and liability claims. It must also include protection against loss of income due to long-term unemployment, and having the appropriate estate planning documents (i.e. wills, trusts, power of attorney, etc.) in place to prepare for unexpected events.


Loss of Income

Loss of income due to disability, long-term care needs, and/or death can cause undue stress on a families' financial situation. To help cover against these potential events, we can provide essential insurance coverage to help you and your family get through these difficult periods.

We will perform a detail review of these potential risks and the impact they might have on you and your family. We will evaluate your current protection plan and determine if additional coverage is required or if your current strategies are appropriate for your situation.

If additional coverage is required or changes to your current coverages are recommended, we will guide you through the complexities of the various options, enabling you to make confident and informed decisions. We will research, evaluate, recommend, implement, and monitor the best solutions for your specific needs and requirements, and ensure that your insurance program fits in your overall wealth plan.


Nobody plans to be unemployed for an extended period of time, but if there's one thing this last recession has shown us, we are all not immune to this possibility. Although we can’t completely replace your income, we can build an emergency fund to cover your non-discretionary expenses for a period of 6 months to 2 years based on your preferences to help bridge the gap. We believe that an emergency savings fund should be the foundation of every short or long term financial strategy.


Property and Casualty Risks

Property and casualty insurance is insurance that protects against property losses to your home or car and/or against legal liability that may result from injury or damage to the property of others. Not having adequate coverage might increase the chances of having to use your personal assets to satisfy potential claims and negatively impact your financial plans.

We will work closely with your property and casualty insurance agent and/or with our recommended independent insurance agents to help ensure you have the appropriate coverage to cover your property and casualty risks, and safeguard your personal assets.


Wealth Transfer Risks

Every family needs wills, trusts and power of attorneys to help ensure that their assets are being distributed and handled based on their requirements, needs, and desire in the case of an unfortunate event. We will collaborate with the estate planning attorney selected to develop a sound estate planning strategy taking into account all your assets and your personal objectives.