Risk Management

We provide comprehensive reviews and recommendations of risk management products (life, long term care, and disability insurance) to help ensure clients are properly protected against unexpected events. Certain life insurance funding strategies can create income tax advantages during lifetime and at death, and we review these strategies with you, when applicable.

We also advise when portfolio income annuity planning is suitable or could be considered to protect against longevity risk to provide retirement income that is not correlated to equity markets.

Ryan B Smith, CFP®, ChFC®, CLU®, M.S.T.

Private Wealth Advisor

 

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