Risk Management


Based on the agreed-upon and appropriate financial strategy, we may believe that life insurance and/or an annuity product would help fund a determined goal. Life insurance may help create income replacement needs, a special needs trust, or fulfill a legacy wish. An annuity may help provide lifetime income or be an alternative to other investment options.


Risk is inherent to life, and we all face both seen and unforeseen events. Most clients can benefit from having plans and products in place to insulate them against risks specific to their life and lifestyle as well as unexpected risks.


We disclose commissions we earn on any product sales. No requirement or regulation requires this disclosure; we simply disclose this because it is a fair business practice. Commissions vary depending on the product and company and are paid directly to us from the companies. For life insurance, commissions are paid in the first year and range from 50% to 90% of the premium. For example, if your plan recommends that you buy more life insurance and costs $1000 per year, we will earn around $500 to $900. Our recommendations are not determined by the commission we would earn but are based solely on determining the right fit for you as our client. Our typical commissions range from 1.5% to 3% of the deposit for annuities and are a one-time payment. For example, if your plan recommends that you deposit $50,000 into an annuity, we will earn $750 to $1500. Again, these are paid to us directly from the insurance company and do not reduce your investment.

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