Fiduciary life insurance and long-term care planning

Protect What Matters—Fiduciary Insurance Planning Aligned to Your Goals

Unbiased life insurance and disability insurance reviews

Protect your family, income, and legacy with advice-first insurance planning

Insurance is the safety net that keeps your financial plan from unraveling when life gets messy. As a fee-only firm, we provide advice-first insurance reviews—we don’t sell policies or earn commissions. Instead, we analyze what you have, identify gaps, and coordinate coverage so your cash flow, retirement plan, taxes, and estate all work together.

What Insurance Types We Review (and Why It Matters)

  • Life Insurance (Term & Permanent): Align death benefits with income replacement, debts, education funding, buy-sell needs, and estate goals. We stress-test policy durability, riders, and internal costs.

  • Disability Income Insurance: Protect your paycheck. We scrutinize definitions of disability, elimination periods, benefit periods, COLA riders, and employer vs individual coverage.

  • Long-Term Care (LTC): Evaluate traditional, hybrid/asset-based, and self-funding strategies, including tax treatment of premiums/benefits and HSA integration.

  • Umbrella Liability: Coordinate with home/auto for higher liability limits and proper titling. Critical for professionals, landlords, and high-net-worth families.

  • Home/Auto/Personal Articles: Coverage limits, deductibles, endorsements, replacement cost, and claims support. We often uncover underinsured risks or duplicate coverage.

  • Health Insurance Coordination: HSA/HRA/FSA optimization, Medicare transition timing, and impacts on tax planning.

  • Business Owners: Buy–sell funding, key person, entity-owned policies, group benefits, and coordination with succession plans.

  • Annuities & Legacy Policies: Objective analysis of surrender charges, living/ death benefit riders, tax basis, 1035 exchanges, and keep/replace decisions.

Our Process

  1. Discovery & Document Gather
    Statements, in-force illustrations, benefit booklets, declarations pages, and existing applications.

  2. Coverage Mapping & Gap Analysis
    Quantify needs for income replacement, debt payoff, education, liabilities, and LTC risk; review policy performance and costs.

  3. Stress Test & Scenario Planning
    Survivorship, disability, market drawdowns, healthcare shocks, and tax law changes.

  4. Recommendations & Market Check
    Advice-first options to right-size coverage. If new coverage is warranted, we’ll coordinate quotes through independent agents—you choose.

  5. Implementation & Coordination
    We help you complete applications, beneficiary designations, and titling; we sync policies with your financial plan and estate documents.

  6. Annual Review
    Life changes, so should coverage. We revisit assumptions, premiums, and carrier strength.

What You’ll Get

  • A clear Insurance Scorecard summarizing each policy and action items

  • Term vs. Permanent analysis (where appropriate) with plain-English pros/cons

  • In-force policy review for universal/whole life and annuities

  • Disability gap calculator and benefit optimization

  • LTC funding paths (traditional, hybrid, or self-fund) with tax implications

  • Umbrella & liability alignment across home/auto/business

  • Implementation support and ongoing monitoring

Who We Serve

  • Families seeking clarity on how much coverage they actually need

  • Business owners & professionals with complex benefits and liability exposure

  • Pre-retirees/retirees evaluating long-term care and legacy strategies

  • Educators & public servants coordinating employer benefits with individual plans

Pricing & How We’re Paid

We’re a fee-only fiduciary. We do not receive commissions from insurance companies. Insurance analysis is included in Wealth Management and Ongoing Financial Planning engagements, or available as a project at our standard hourly rate. If new coverage is appropriate, we’ll help you shop independent options so incentives stay aligned.

Note: Estimated pricing is shown on our Services page. Project quotes available.

Want to make sure your most important assets are protected?

Disclosures

Insurance analysis is provided as part of comprehensive financial planning. We do not underwrite, place, or service insurance policies. Recommendations may include referrals to independent, licensed insurance professionals. Past results are not guarantees of future outcomes.

Insurance Planning Resources

Complimentary Retirement Assessment in Parker, Colorado

Are you and your family protected the way you should be?

Click here to get your Free LEGACYSCULPT™ Retirement Assessment

Insurance Planning FAQs

Do you sell insurance?

No. We’re advice-first and fee-only. If you need new coverage, we coordinate independent quotes and help you decide.

How much life insurance do I need?

Enough to replace income, clear debts, and fund key goals. We tailor coverage amounts and durations, then revisit annually.

Should I keep my whole life or universal life policy?

Maybe. We review in-force illustrations, internal costs, and tax basis, then compare to alternatives. Sometimes “optimize” beats “replace.”

Is long-term care insurance worth it?

It depends on your assets, health, family support, and goals. We model traditional, hybrid, and self-funding paths with tax impacts.

What about disability insurance?

For most families, your ability to earn is the most valuable asset. We analyze occupation definitions, waiting periods, and riders.

Will you work with my current insurance agent?

Absolutely. We collaborate with your team to implement the best-fit solution.