While not every possible emergency can be anticipated or planned for, there are some common ones that have proven to have devastating effects in the past.
Health insurance is an absolute must not only to provide you with quality care in the event of a medical emergency, but to prevent all kinds of financial issues if something major happens. A devastating medical expense such as cancer treatment, major surgery, etc. could mean having to file bankruptcy unless you have insurance to cover these expenses.
Having the proper personal insurance plan is also critical to maintaining your lifestyle. Things happen outside your control and in the blink of an eye an accident or casualty event could destroy you financially. Click here to be taken to our property & casualty website.
You are the goose that lays the golden eggs for your family. If you got sick or hurt and were unable to work, how would your family survive? If you could only insure one risk in your life, this would be the most critical because it's the one that gives life to everything else financially. Let's look at it this way: Assume you applied for a job at a particular company and they said they have two openings doing the same job but with different benefits. You get to choose which one you want.
Which job would you choose? If you chose Job B, you effectively chose Long Term Disability Income - to insure the continuation of your income by giving up around 3% of your income to guarantee 2/3 of it tax-free in the event of a disability. When you look at the ramifications of choosing Job A, the question is not whether you can afford Disability Income, the question is can you afford not to have it?
The stock market can feel like a wild ride. Sometimes the markets can be a little rough, and you might find yourself a little lost. We can help you navigate back to safety.
Riskalyze is cutting edge technology that identifies your acceptable levels of risk and reward. Using this tool, we ensure that your portfolio defines your investment goals and expectations.
Together we can take the guesswork out of your financial future.
Recent studies emphasize the importance of client-advisor conversations. These reports prove that advisors can add 3% to clients’ net returns and retirement savers who sought investing advice enjoyed a median annual return almost 3% higher than those who didn’t – even after the fees they paid for that advice.