Risk Management

Risk Management



Life Insurance Analysis

Will someone in my life be adversely affected (from a financial standpoint) by my untimely death? If the answer is yes, we consider strategies to reduce or eliminate this undesirable legacy.  As part of the overall financial planning process we undertake with our clients, and often in coordination with your attorney and other estate planning considerations, life insurance is the most commonly used tool for protecting us from this type of unexpected financial impact on a family.


Disability Insurance Analysis

Millions of working Americans are facing a growing crisis: a lack of adequate disability insurance coverage. Without some kind of income protection, more Americans are experiencing severe financial difficulty if they need to miss work due to illness or injury.  Disability insurance analysis can help address a potential critical blind spot for many workers and their families in the likely event that workers' compensation and social security would be insufficient to cover most of these challenges.

Long-Term Care Analysis

Long-term care (LTC) refers to the help associated with chronic illness, disabilities, and other conditions needed daily for an extended period. We can simulate various LTC scenarios, including current regional LTC pricing, to provide a context for a potential expense not covered by Health Plans or Medicare.  Through thoughtful planning and careful coordination with your attorney, we can assist you in developing a strategy that best meets your and your family's needs.


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Business Owner/Executive Planning

Business owners and executives often have unique needs and goals when it comes to planning and risk management.  Through in-depth analysis and assessment, we can help craft a strategy that protects the value and legacy of your business as well as strengthen key employee benefits. We can help ensure you are positioned to handle the unexpected, assist in retaining and protecting key people, and support continuity in your business through the years.


Pension Planning/Pension Maximization

For any person who is pension-eligible, we have the tools and experience necessary help you protect and maximize your benefits, potentially take greater control, and ensure that those you care about are adequately protected.  It is extremely important to assess your unique pension options and feel prepared to make the best decisions possible for you and your family.

Fixed insurance products and services offered through CES Insurance Agency or RFG Associates.