Service
Insurance
The right insurance coverage is not about buying products. It is about making sure a single event, whether illness, disability, or death, does not unravel everything you have built. I analyze your coverage gaps as part of your overall financial plan and recommend only what you actually need. Insurance and annuity products are offered through LPL Financial or its licensed affiliates; annuity guarantees are subject to the claims-paying ability of the issuing insurance company.
Schedule a Discovery CallWhat We Offer
Coverage reviewed in the context of your full financial picture, not in isolation.
Long-Term Care Insurance
Life Insurance Analysis
Disability Coverage
Medicare Supplement
Annuity Evaluation
Income Protection Planning
This information is general education and not personalized investment, tax, or legal advice. Hypothetical examples are for illustrative purposes only and do not represent the experience of any specific client. Tax preparation and tax advice are provided by your CPA. Investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is not a guarantee of future results.
Client Success
Long-Term Care Strategy Scenario
A couple in their late 50s evaluating long-term care funding after the WA Cares Fund cap. Options discussed may include hybrid life/LTC policies. Coverage levels and premiums depend on health, age, and product availability. Annuity and insurance guarantees are subject to the claims-paying ability of the issuing company.
Hypothetical engagement scenario, illustrative only and not representative of any specific client. Outcomes depend on individual circumstances and market conditions. Investing involves risk including loss of principal. No strategy assures success or protects against loss.
Frequently asked questions.
Washington's WA Cares Fund provides a basic long-term care benefit funded by payroll tax. However, the $36,500 benefit cap may not be sufficient. We help you evaluate whether private coverage makes sense for your situation.
We calculate your coverage need based on income replacement, debt payoff, education funding, and estate goals. It's not one-size-fits-all — we build a recommendation around your complete financial picture.
Annuities can be a way to add a contractual income stream in retirement, but they aren't right for everyone. We evaluate annuity proposals based on fees, surrender periods, and how they fit your overall income plan. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company. Surrender charges may apply for early withdrawals, and withdrawals before age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax.
Ready to take the next step?
A complimentary discovery call is one way to start. No pressure, no obligation -- just a conversation about your goals.