Step 1: Consultation

We take the time to get to know you, not just your financial situation, but the things that are important to you. Everyone's needs are different and sometimes we cannot predict how our finances may change in the future (new job, layoffs, spouse returning to the workforce). Once we understand your goals, we will then translate them into a customized plan of action.

Step 2: Analysis

One size does not fit all when it comes to insurance. We see various articles and online calculators that claim to determine the number that is right for you. We will look at your personal situation including income, assets, liabilities, college funding and employee benefits available through the work place. Once we get a complete picture, we will customize an insurance strategy that protects you in both the short and long term.

Step 3: Ongoing Review

Our relationship is ongoing. Your needs change as you mature or your job situation evolves. We work with you to make sure that your coverage keeps up with inflation and that it matches well with your employee benefit programs. While disability and term life coverage may be important in your younger years, permanent life insurance coverage and a long term care plan may be more important as you mature. Our clients look to us for solutions and advice over their lifetimes. We hope to do the same for you.