What types of insurance do you offer?
We help with life insurance (including living benefits), disability income protection, and insurance linked strategies designed to support your overall financial plan.

What are living benefits in life insurance?
Living benefits allow you to access a portion of your life insurance benefit while you’re alive if you experience a qualifying serious illness or condition. These can help cover medical expenses, income replacement, or care costs without tapping retirement savings. 

Do I need life insurance if I’m retired?
Life insurance can still be valuable in retirement for legacy planning, covering final expenses, or supporting a tax-efficient transfer of assets. Whether it’s appropriate depends on your goals and financial picture.

What is financial planning?
Financial planning is a holistic process that evaluates your financial situation, defines your goals (such as retirement, protection, or wealth transfer), and produces a roadmap to pursue those goals with confidence.

How much does financial planning cost?
Costs vary based on service scope. We review pricing during your initial consultation so you clearly understand the fees before you decide to work with us.

Do you offer a free consultation?
Yes. We offer a complimentary initial discussion to learn about your goals and see whether we’re a good fit to help you.

How often should I update my financial plan?
Important life events — new job, marriage, new child, market changes, or retirement — are good points to review your plan. We typically recommend an annual review.

What is retirement planning?
Retirement planning involves estimating how much you’ll need for your desired lifestyle, structuring your savings and investment strategy, and creating a sustainable income plan so you do not outlive your assets.

How much should I save for retirement?
There isn’t a one-size-fits-all number,  it depends on your goals, anticipated expenses, current savings, and other income sources like Social Security or pensions. We help you build a customized projection.

Can I outlive my retirement savings?
Yes — this is called longevity risk. A strong retirement plan addresses this by focusing on predictable income sources, diversified assets, and risk-managed strategies to help your savings last.

Should I delay Social Security benefits?
Delaying Social Security can increase your monthly benefit, but the best choice depends on your personal situation. We can help you model different claiming strategies.

How do we get started?
Begin with a complimentary consultation so we can understand your goals and discuss potential strategies.

How often will we communicate?
This depends on your needs. We typically recommend regular check-ins, quarterly or annual reviews, and availability for questions when life changes occur.

What documents should I bring to the first meeting?
Bring recent statements for your investments, retirement accounts, insurance policies, and any financial goals you’ve defined. This helps us get a clear picture.