When some professionals say “risk management”, what they really mean is “insurance for sale”.  Not us.  We believe that there is a difference between risk management and insurance management.

Personal wealth risk management tackles the responsibility of identifying, analyzing, controlling and financing risks to which wealth is subjected.  Insurance management is an important element of a sound risk management plan because it’s the specific and tactical method of financing or transferring the biggest share of certain risks.

We understand that assuming some kinds and levels of risk allows individuals to exercise and take action with greater financial capacity.  But when not managed properly, too much risk taken in the wrong place can totally derail an otherwise sound financial plan.

Our focus on risk helps clarify the landscape of following different financial paths based on the unique needs of the individual.