Insurance Solutions

Some individuals underestimate the impact a big loss may have on their future. Luckily, insurance can be used to protect more than just your physical assets: It can also be used to protect your future.


Through a proper evaluation of the three areas of risk: risk to people, risk to property and risk involving injury to other people or damage to another person’s property, we can design a risk management plan that judiciously uses insurance to address your risk exposure.

We start by asking you to provide us with a complete inventory of all of your insurance policies and programs, including coverages provided through your employer. This would include:

  1. Life insurance
  2. Health insurance
  3. Disability income insurance
  4. Long-term care insurance
  5. Homeowners insurance
  6. Liability insurance
  7. Automobile insurance
  8. Business insurance.


Next, with the assistance of properly licensed insurance professionals, we will review all of your current insurance policies and programs in an effort to understand what insurance coverages you currently have in place. Then, we will interview you to understand your current financial situation, your life goals, your feelings towards your risk exposure and insurance and your family dynamics.

Based on the information we gather from you, and with the assistance of properly licensed insurance professionals, we will present to you our preliminary findings on your current insurance coverages and how these coverages relate to your current risk exposure. With a comprehensive examination of your current insurance policies and programs, we will be able to tell you if your insurance is adequate enough to transfer your risk exposure to a third party, namely the insurance company. If we determine that your current insurance is not adequate, we will outline for you how to adjust your coverages from where they are now to where they should be.

If you choose to engage us as your insurance adviser, we will assist you in finding the right coverages to meet your risk exposure. In addition, through our insurance agency, Financial Guidance Insurance Advisers LLC, we offer assistance in obtaining:

  1. Life insurance
  2. Disability insurance
  3. Health insurance
  4. Long-term care insurance
  5. Fixed annuities

As an independent insurance firm, we are able to shop dozens of insurance carriers to find the best rates and product solutions to fit your specific needs. We also offer complimentary reviews of any insurance products you currently have.