Where we focus.
We work in the planning areas where independent, well-structured insurance counsel adds real value alongside the work of CPAs, fiduciary advisors, and attorneys. Insurance is one tool among several — we treat it that way.
Business Continuation Planning
Key-person, buy-sell funding, and business succession through insurance structures. Coordinated with the business attorney and CPA.
02Retirement Tax Diversification
Tax planning across both phases — building taxable, tax-deferred, and tax-free buckets while earning, then drawing from them in the right order in retirement.
03Insurance Planning
Life, disability, and long-term care positioned correctly within a broader plan. Suitability assessed first; product selection follows.
04Legacy & Estate Strategies
The insurance role in legacy and estate planning, coordinated with the client's estate attorney. We don't replace estate counsel — we work alongside it.
05Equity Compensation & Concentration Planning
Insurance and risk planning for equity-compensated professionals — executives, senior engineers, and founders — with RSUs, options, deferred comp, and concentrated employer stock.
06Retirement Income
Guaranteed retirement income and annuities — turning savings into income you can't outlive, coordinated with your advisor.
07Income Protection
Disability coverage sized to real income — own-occupation for physicians, and closing the gap group LTD leaves for high earners.
08SBA & Lender-Required Coverage
Life insurance to satisfy an SBA or lender collateral-assignment requirement, handled correctly and on the closing timeline.
Not sure which planning area applies?
A first conversation is exploratory. We will discuss your situation and identify which areas, if any, are worth a structured engagement.
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