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INSURING LIFE AND ASSETS

The least understood and most mismanaged aspect of Financial Planning is Insurance and Risk Management.

I find that Individuals and Businesses are either under-insured or improperly insured, but rarely over-insured.

Insurance products include Home Owners, Auto, Liability, Life, Annuities, Health and Hospitalization, Long-Term Care, and more.

The Consumer is not always best served by an Insurer who has a vested interest in you buying their products.

Insurance is a proper component to any Financial Plan when purchased for the right need and objective. That's where I come in!

TCF offers Objective Consultation of Insurance Products such as:

  • A review of your existing policies for adequate levels of coverage and risk.

  • A needs analysis for appropriate level and type of Life coverage.

  • Taxation of life policies and annuities.

  • Life Insurance for Estate Planning and Buy-Sell Agreements.

  • Breakdown of the cost components of Life and Annuity Products.

  • Analysis of the Cost and Returns of the underlying Investments of your existing or contemplated Variable policies.

  • A needs, cost, and benefit analysis of Long-Term Care.

  • Maximizing Integration of private policies with social benefits such as Medicare.

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