Who We Help
For Executives
Senior leaders whose compensation is complex, whose risk profile is concentrated, and whose planning needs to integrate insurance with broader tax and estate strategy.
What we typically help with
The financial situation of a senior executive is rarely served well by generic insurance advice. Common areas where we add real value:
- Coordinating life insurance with deferred compensation, equity grants, and employer-provided coverage that may be insufficient or non-portable.
- Disability protection at appropriate income levels — most group LTD policies cap below what high-earning executives actually need to replace.
- Long-term care planning as part of broader estate strategy, not as a standalone product purchase.
- Tax-efficient accumulation strategies for executives whose retirement accounts are already maxed out.
- Survivorship and legacy structures coordinated with the executive's estate attorney and CPA.
How engagements usually start
A first conversation is exploratory. We typically start by understanding:
- Your current employer benefits and what's actually portable if you change roles.
- Existing advisors — CPA, financial advisor, estate attorney — and how we'd coordinate with them.
- Specific situations driving the conversation (concentrated stock, upcoming liquidity event, recent role change).
- Whether the planning need is immediate (acute risk to address) or strategic (multi-year accumulation and protection design).
No products are discussed in a first conversation. We discuss whether the engagement makes sense and how a structured process would look.
Want to discuss your specific situation?
A first conversation is exploratory and at no cost. We'll discuss what you're considering and whether our practice is the right fit.
Schedule a Consultation